vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-05 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: NY

Complaint narrative:
I am writing to notify you today with extreme urgency and distress regarding several accounts opened in my name that I believe is a direct result of identity theft from the recent data breach. I am a victim of this breach and I want the all accounts mentioned below to removed immediately from my credit report. 
Pursuant to FCRA 15 USC 1681c-2 ( a ) 1. XXXX XXXX XXXX  XXXX 2. XXXX XXXX XXXXXXXX XXXX XXXXXXXX 3. XXXX XXXX XXXXXXXX XXXX XXXXXXXX 4. XXXX  # XXXX 5XXXX XXXX XXXX XXXX. # XXXX 6. XXXX XXXX XXXX XXXXXXXX 7. XXXX XXXX. # XXXX 8.XXXX XXXX XXXXXXXX 9 XXXX XXXXXXXX XXXX XXXX XXXX 10. XXXX. # XXXX 11. XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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: NY

Complaint narrative:
I am writing to notify you today with extreme urgency and distress regarding several accounts opened in my name that I believe is a direct result of identity theft from the recent data breach. I am a victim of this breach and I want the all accounts mentioned below to removed immediately from my credit report. 
Pursuant to FCRA 15 USC 1681c-2 ( a ) 1. XXXX XXXX XXXX  XXXX 2. XXXX XXXX XXXXXXXX XXXX XXXXXXXX 3. XXXX XXXX XXXXXXXX XXXX XXXXXXXX 4. XXXX  # XXXX 5XXXX XXXX XXXX XXXX. # XXXX 6. XXXX XXXX XXXX XXXXXXXX 7. XXXX XXXX. # XXXX 8.XXXX XXXX XXXXXXXX 9 XXXX XXXXXXXX XXXX XXXX XXXX 10. XXXX. # XXXX 11. XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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:
This account was previously deleted and has now been reinserted without proper notice as required under FCRA Section 611 ( a ) ( 5 ) ( B ). Please provide proof of compliance, including the source and method of reinvestigation. Otherwise, this account must be permanently deleted.

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 2025-04-05 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: FL

Complaint narrative:
This account was previously deleted and has now been reinserted without proper notice as required under FCRA Section 611 ( a ) ( 5 ) ( B ). Please provide proof of compliance, including the source and method of reinvestigation. Otherwise, this account must be permanently deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
I received American Express gift cards totaling to {$450.00} on XX/XX/year>. However when I attempt to use this card, it declines. I attempted multiple times to add the first gift card to my XXXX XXXX as the American Express instructions say to. However, it declined every time and I was unable to add it to XXXX XXXXXXXX. This is unacceptable as I am unable to use the gift card even though this card was already paid for. I also tried to use this online and it also declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: GA

Complaint narrative:
Subject : Request for Immediate Action to Remove Inaccurate Information and Fraudulent Accounts Due to XXXX Data Breach Dear [ Experian Consumer Services/Specific Contact ], I am writing to request the immediate removal of inaccurate and fraudulent information from my consumer credit reports, which are a direct consequence of the XXXX data breach that compromised my personal data. Under 15 U.S.C. 1681c-2 ( a ), I am entitled to have fraudulent accounts and inaccuracies deleted from my credit report within five business days of notification, and I am urging you to act swiftly in compliance with the Fair Credit Reporting Act ( FCRA ). 

In addition to the accounts previously identified, the following are fraudulent activities that must be addressed : XXXX. XXXX XXXX ( Account Number : XXXX ) : ** - Fraudulent Charges Total : {$690.00} - Date Fraud Began : XX/XX/XXXX - Date Discovered : XX/XX/XXXX XXXX. XXXXXXXX XXXX  ( Account Number : XXXX ) : ** - Fraudulent Charges Total : {$3400.00} - Date Fraud Began : XX/XX/XXXX - Date Discovered : XX/XX/XXXX XXXX. XXXX XXXX XXXX : ** - Related to a Credit Card Opened by a Thief - Date Fraud Began : XX/XX/XXXX - Date Discovered : XX/XX/XXXX - Fraudulent Amount : {$860.00} Additionally, I previously identified inaccuracies with : - XXXX XXXX XXXX XXXX XXXX XXXX* Incorrect late payment reports on a closed account. 
- **XXXX Account XXXX : ** Incorrect late payment reports. 

Both instances represent inaccuracies unrelated to my payment history. 

For these fraudulent accounts, it is imperative that all related entries, inquiries, and negative notations be removed from my XXXX report promptly. This breach has already caused significant disruption and has exposed me to potential future damages if left unresolved. 

Enclosed, you will find copies of my reports with highlighted disputed entries, identity proof, and documentation related to the fraudulent activities. 

Please confirm the successful rectification and deletion of all disputed entries and fraudulent accounts by providing written confirmation or a detailed explanation if any action is pending within the specified timeframe. 

Thank you for promptly addressing these issues and ensuring my consumer credit report is accurate and restored. 

Sincerely,

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 2025-04-05 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
On XX/XX/2025, I received a letter dated XX/XX/2025, from XXXX XXXX XXXX XXXX indicating a denial of a credit card application for XXXX  XXXX. I would like to clarify that I did not authorize this inquiry and do not have any business relationship with either XXXX XXXX or TD Retail Card Service. 

Upon reviewing my XXXX  credit file, I also discovered a separate inquiry made by XXXX XXXX XXXX XXXX in XX/XX/2025. Like the previous inquiry, this one was also conducted without my authorization. 

I appreciate your attention to this matter and seek guidance on how best to proceed in addressing these unauthorized inquiries. Thank you for your consideration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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:
Recently, I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : Account : XXXX XXXX Account Number 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 2025-04-05 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: NY

Complaint narrative:
Recently, I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : Account : XXXX XXXX Account Number 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 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: Amsher Collection Services, Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX AMSHER COLLECTION SERV XXXX, AL XXXX Debt Validation, Cease and Desist, and Request for Assignment Contract Dear Amsher Collection Serv I am writing in response to your recent communication regarding an alleged debt associated with account number XXXX. Please consider this letter a formal request for the following : Debt Validation : Under the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide valid documentation to substantiate the existence of this debt, including but not limited to : The original creditors name, The amount of the debt, A detailed statement showing the charges and any interest applied, Proof that you have the legal right to collect on this debt. 
Cease and Desist : Effective immediately, I request that you cease all communication with me regarding this alleged debt, whether by phone, email, or mail. Please note that this request is made pursuant to the FDCPA and applies to all future communication, unless required by law or a court order. 
Request for Assignment Contract : If you claim to be the assignee or holder of this debt, I request a copy of the original assignment contract or agreement that grants you the authority to collect this debt. Please provide this documentation for my review. 
Please be advised that failure to provide proper validation or documentation within 30 days of receipt of this letter will result in my assumption that this debt is invalid and will be subject to dispute. Furthermore, any continued attempts to collect this debt without providing the requested documentation may result in legal action. 
Thank you for your prompt attention to this matter. I look forward to your timely response. 


Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
Credence Resource Management , LLC Licensed Office Address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX You reached out by phone call and mail, information about a debt amount of {$750.00} to the original creditor XXXX. I am writing to request validation of the debt you claim I owe, as per my rights under the Fair Debt Collection Practices Act. I am not responsible or aware for this debt you are attempting to get. I request for validation and assignment report verification of the debt in question. 
Please provide proof that you are legally authorized to collect this debt. 
I expect a response within the 30 days allotted by law. Please record that I dispute any ownership of this debt and stop all other communication with me. According to FCRA section 605B, it is illegal to report anything on my credit report without my permission. Please remove this negative item. If you stop collecting on this debt and forward it to a separate company, please let them know that I disputed it.

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
Third Party Collection On my credit that I do not owe

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: TX

Complaint narrative:
EXPERIAN IS REFUSING TO REMOVE THE FRAUDULENT ADDRESSES REPORTING ON MY CREDIT FILE IN RESULT OF MY IDENTITY FRAUD AN DXXXX XXXX  UNDER 605C. PLEASE SEE ATTACHED

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 2025-04-05 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: NY

Complaint narrative:
See attachment below I received a copy of my consumer report and noticed information that isn't supposed to be reported. 
Block and delete the following items : XXXX  account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. XXXX XXXX share loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$1300.00}. XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$21000.00}. XXXX XXXXXXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. XXXX  XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. XXXX  XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. Collection account from XXXX XXXX with account # XXXX and a balance of {$1800.00}. 
The original creditor is XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am formally disputing the fraudulent and inaccurate reporting of a closed account that was manipulated to reflect new activity years after closure. This is a clear violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), and I am demanding its immediate deletion from my credit report. 

I will upload all documents and proof, I previously disputed the inaccuracies and violations from this account and EXPERIAN FAILED ON DOING A PROPER REINVESTIGATION! Please deleted the account immediately! Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-04-05 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: MA

Complaint narrative:
XX/XX/XXXXXXXX  Transunion XXXXXXXX XXXX XXXXXXXX XXXX, PA XXXX XXXX and Final Request before legal action. LAST CFPB # - XXXX I was looking at my credit report and this account looks weird to me. The last date of activity, the last date of payment, the account number, the balance etc. Everything on my credit report looks to be incorrect. Can you please delete these items from my credit report because they are not accurate, and it is not complete. There is 1 account that shows 5 times and 1 account that shows 2 times. 124 errors is unacceptable. 

I sent you letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ( CFPB ). I have attached that letter that I sent you last that clearly tells you that the information you are reporting is not accurate and its also not complete. It is incorrect, please delete this Immediately. I want you to reinvestigate this ( for a 4th time ) because the way it is looking on my credit report, it does not look accurate or complete. 

Please look into the following attributes and you will see that they are incorrect. I have also highlighted them on the pages included from the last letter I sent. Green lines are ok and yellow is not reporting correctly. 

First Date of Activity Last Date of Activity Last Date of Payment Account Number Balance Current Status This will be my fourth and final letter giving you the opportunity to correct these issues that are incorrectly listed on my credit report. It is reporting inaccurately and not complete as they should be. Do not accept any finding of the furnishers who do not provide thorough results of their investigations. Due to the lawsuit filed against XXXX XXXX XXXX on XX/XX/XXXX, I insist you conduct a full investigation as required by FCRA law. If this is not removed in the next 30 days, I will be forced to take legal actions. All communications have been delivered by USPS mail. This will be tracked by tracking and proof of delivery. 

Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA 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 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me.

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 2025-04-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: IN

Complaint narrative:
Third Party. Collection attempting to collect a debt that i do not owe to them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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: TX

Complaint narrative:
Second time you STALL on my dispute .Your letter dated XX/XX/year>XXXX  has no reference to a dispute so who knows what if it was reported on line in Equifax app you have the information, if it was reported to CFPB you have the information. CFPB please look in to this stalling { THEY HAVE THE INFORMATION } enclose is there letter for you to see. Equifax running the clock on my dispute is against the FCRA Equifax send all documents through the CFPB because you can not be trusted to investigate anything that is why the CFPB sued you failure to investigate. which dispute are you referring to? 
checking your report there are no open disputes

Company response to consumer: Closed with explanation