vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

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 2025-02-04 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: CA

Complaint narrative:
These hard inquiries are fraudulent and do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/year>, XXXX XXXX - XX/XX/year>

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 2025-02-04 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: MI

Complaint narrative:
Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following item ( XXXX ) require rectification : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this from my report. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the date of this letter. Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received my credit report within the past XXXX months of any corrections made. Thank you for your attention and assistance in resolving this matter.

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 2025-02-04 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: Skrill USA, Inc.
State: NC

Complaint narrative:
I have been using my Skrill Prepaid card account for XXXX  months, and in this timeframe I have been restricted now for the fourth time.Each time I am scolded by an overzealous person questioning every transaction or deposit into the account. What do they want? I am depositing money and spending on XXXX for each month. I do not save receipts from the XXXX  store, especially from XXXX months ago. Do they not have anything better to do? 

I've attached their request, along with the statement of my funding account ( per their request ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: OH

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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

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 2025-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
my name is XXXX XXXX XXXX Congressional way XXXXXXXX XXXX XXXX XXXXXXXX I pull up my credit I found an collection account that it doesn't belong to me I contact the original creditor they are already deleted the problem is the collection agency PORTFOLIO RECOV ASSOC I never have an answer from them Account info XXXX Collection account. {$430.00} Contact info PORTFOLIO RECOV ASSOC XXXX XXXX XXXX XXXX Account info Account name PORTFOLIO RECOVERY ASSOCIATES Also known as PORTFOLIO RECOV ASSOC Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$430.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$430.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$430.00} Highest balance - Terms XXXX  Months On record until XX/XX/XXXX Original creditor XXXX XXXX XXXX XXXX like I said the original creditor deleted but the collection agency looks like it's something wrong with them please do something for me I appreciate it thank you very much my last XXXX digits of your Social Security ( XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: IL

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 disputed outcomes. These failures align with my experiences, where Experian has neither corrected nor removed disputed 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: IL

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 disputed outcomes. These failures align with my experiences, where Experian has neither corrected nor removed disputed 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 2025-02-04 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: Lendmark Financial Services
State: TX

Complaint narrative:
Subject : Final Request for XXXX and Notice of Legal Action To Whom It May Concern, Lendmark Financial XXXX XXXX This letter serves as my fourth formal request that has been sent via certified mail.For Lendmark Financial Services to provide me with a XXXX Cancellation of Debt for account number XXXX. Despite your failure to comply with my previous requests, you have reported this account as XXXX on my credit report and subsequently sold it to a collection agency. Your continued non-compliance is a clear violation of federal law, including but not limited to the Fair Credit Reporting Act ( FCRA ) and IRS regulations. 

According to the FCRA ( 15 U.S.C. 1681 et seq. ), a creditor who reports a charged-off debt is obligated to adhere to accurate reporting standards and must not misrepresent the status of a debt. Furthermore, the XXXX XXXX XXXX ( XXXX XXXX. XXXX ) mandates that creditors issue a XXXX for any debt cancellation exceeding {$600.00}. Your failure to provide this document while simultaneously claiming the charge-off on my credit report and selling the debt constitutes fraudulent misrepresentation and willful non-compliance with federal regulations. 

Your continued refusal to furnish the required XXXX, despite multiple requests, suggests an intentional effort to mislead and manipulate my financial records. This is not only unethical but also illegal. Your actions are grounds for a lawsuit under FCRA statutory damages ( 15 U.S.C. 1681n ) and actual damages for willful noncompliance. 

As a result of your violations, I am formally notifying you that I intend to pursue legal action against Lendmark Financial Services. I am prepared to file a lawsuit for statutory damages of up to {$1000.00} per violation, along with additional damages for any financial and emotional distress caused by your continued negligence. 

To avoid legal escalation, I am demanding the following : XXXX issuance of the XXXX XXXXXXXX XXXX XXXXXXXX for account number XXXX. 

Written confirmation that this account will be corrected on my credit report to reflect the accurate status. 

XXXX removal of any illegitimate collections linked to this account. 

A formal response within 15 days of receipt of this letter confirming compliance with my requests. 

Failure to comply will result in immediate legal action against your company, including but not limited to a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), the Internal Revenue Service ( IRS ), and a lawsuit in federal court. 

This letter serves as final notice before litigation. Please govern yourselves accordingly. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I pulled a copy of my most recent credit report and notice that I have been a victim of identify theft. There are hard inquiries in my name that I did not authorize. I ask that these items be removed and corrected from my credit report within XXXX  days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: LA

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: NJ

Complaint narrative:
I am writing to formally notify you that I am victim of a data breach and identity theft that has impacted my financial information as such I request that you block and delete all accounts related to the following collection agencies from my credit report pursuant to my rights under 15U.S.C 1681c 2 ( a ) ; XXXX XXXX  Account number : XXXX XXXX. XXXX XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX 
account number : XXXXXXXX XXXX XXXX XXXX Account number : XXXX XXXX. XXXX XXXX Account number : XXXX XXXX. XXXX XXXX & Account number : XXXX XXXX. XXXXXXXX XXXX XXXX XXXX  Account number : XXXX XXXX. XXXX Account number : XXXX XXXX. XXXX XXXXXXXX XXXX XXXX Account number : XXXX XXXX. XXXXXXXX XXXX XXXX  Account number : XXXX XXXX. XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX. XXXX XXXX Account number ; XXXX XXXX. XXXX XXXX Account number : XXXX XXXX XXXX  XXXX XXXX XXXX. 
account number : XXXX XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX. XXXX XXXX Account number : XXXX XXXX. XXXX XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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 am writing to formally notify you that I am victim of a data breach and identity theft that has impacted my financial information as such I request that you block and delete all accounts related to the following collection agencies from my credit report pursuant to my rights under 15U.S.C 1681c 2 ( a ) ; XXXX XXXX  Account number : XXXX XXXX. XXXX XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX 
account number : XXXXXXXX XXXX XXXX XXXX Account number : XXXX XXXX. XXXX XXXX Account number : XXXX XXXX. XXXX XXXX & Account number : XXXX XXXX. XXXXXXXX XXXX XXXX XXXX  Account number : XXXX XXXX. XXXX Account number : XXXX XXXX. XXXX XXXXXXXX XXXX XXXX Account number : XXXX XXXX. XXXXXXXX XXXX XXXX  Account number : XXXX XXXX. XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX. XXXX XXXX Account number ; XXXX XXXX. XXXX XXXX Account number : XXXX XXXX XXXX  XXXX XXXX XXXX. 
account number : XXXX XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX. XXXX XXXX Account number : XXXX XXXX. XXXX XXXX Account number : 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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
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 2025-02-04 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: GA

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
These hard inquiries are fraudulent and do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-02-04 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 need this stuff to be removed from my report, these are not my accounts. I have attached all the proper forms.

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 2025-02-04 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:
I need this stuff to be removed from my report, these are not my accounts. I have attached all the proper forms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX I, has violated my rights by reporting a fraudulent, identity theft, collection account to TransUnion credit bureau with no account number listed, in the amount of {$430.00}, in an effort to knowingly collect a debt it is not owed. XXXX XXXX XXXX is reporting an open collection account with an open date of XX/XX/year>, to TransUnion credit bureau damaging my credit and my reputation as a consumer. I have no open accounts with XXXX XXXX I, nor have I ever done business with XXXX XXXX XXXX I have never heard of XXXX XXXX I, nor has it ever contacted and/or communicated with me in any manner before or after reporting said fraudulent account to TransUnion. XXXX XXXX I, has violated my rights under the following codes : 15 U.S. Code 1681 ( a ) ( b ) - Congressional findings and statement of purpose 15 U.S. Code 1692e - False or misleading representations - A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer ; and 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, 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