vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I kindly request that you update and validate the items I previously mentioned, as they are still incorrectly reported on my account. I have already provided all the necessary details for 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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Southern Oregon Credit Service, Inc.
State: OR

Complaint narrative:
This letter was mail off on XX/XX/year> and still waiting XXXX contracts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Southern Oregon Credit Services alleging amounts owed to XXXXXXXX XXXX 

We are requesting that you investigate and remove these reports. Please investigate and remove any inaccurate information, provided the original contract, and send confirmation of the recategorization of these inquiries as one inquiry to : If the credit reporting agencies do not correct their reports within 30 days of the day of this letter, an action under the Fair Credit Reporting Act may be undertaken and the Consumer may escalate actions under the law, including a report to the Consumer Financial Protection Bureau. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Page XXXX Your anticipated cooperation and immediate attention are appreciated in advance. 

Very truly yours,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC
State: OH

Complaint narrative:
CITI BANK, NA the original creditor CHARGED OFF this debt ( Account number XXXX ) and Cavalry SPV I , LLC is illegally accusing me of owing them { {$1400.00} ) this account/debt was written off/canceled by the original party and sold to CAVALRY SPV I , LLC for a profit . I never had an agreement with CAVALRY SPV, LLC. I also never received a 1099c form after the account was canceled by the original parties. By law, any debt canceled by the party is now considered INCOME. After a debt is canceled, the creditor may send you a Form 1099-C, Cancellation of Debt showing the amount of cancellation of debt and the date of cancellation, among other things. I NEVER RECEIVED THE 1099C EVEN THOUGH THE ORIGINAL CREDITOR HAS FILED TAXES ON THIS ACCOUNT AS A LOST AND COLLECTED COMPENSATION FROM CAVALRY SPV I , LLC TO RELEASE THE ACCOUNT. THAT IS ILLEGAL AND I WILL FILE CHARGES IF THIS ACCOUNT IS NOT REMOVED FROM MY CONSUMER REPORT. INCOME IS NOT APART OF A CONSUMER REPORT. I HAVE THE RIGHT TO CLAIM THIS ACCOUNT AS INCOME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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 am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2025-03-20 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: NM

Complaint narrative:
XXXX XXXX Account not authorized, no items have been delivered and Comenity bank has been contacted multiple times to close and XXXX  out account. XXXX has been contacted and they have return a printer that was ordered to XXXX. Comenity bank is atttempting to charge me {$220.00} for an unthorized and undelivered printer and also have failed to file a dispute of unauthorized card/activity after many contacts on my end.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-20 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:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX - XXXX  XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX  - XX/XX/XXXX - {$1200.00} XXXX - XXXX  XXXX - XX/XX/XXXX - {$230.00} XXXX - XXXX  - XX/XX/XXXX - {$980.00} XXXX - XXXX  - XX/XX/XXXX - {$1000.00} XXXX - XXXX & XXXX - XX/XX/XXXX - {$470.00} XXXX - XXXX  XXXX - XX/XX/XXXX - {$320.00} XXXX - XXXX  XXXX - XX/XX/XXXX - {$440.00} Hard Inquiries to Be Removed I request the removal of the following hard inquiries unless verifiable, signed proof of my authorization can be provided : XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-03-20 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: CA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

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

Company 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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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

Company 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 2025-03-20 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: AZ

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of multiple accounts on my TransUnion credit report. Despite my previous disputes, these accounts remain on my report, and your office has failed to properly investigate, instead canceling investigations and impeding my ability to maintain accurate credit records. Due to this negligence, I will be filing a complaint with the Consumer Financial Protection Bureau ( CFPB ). 

The following accounts are erroneously reporting on my credit report : 1. XXXX XXXX XXXX XXXX XXXX for There are XXXX XXXX XXXX accounts listed that do not belong to me. These accounts are invalid, and I request immediate removal from my credit report. 
XXXX. XXXX XXXX Last reported XX/XX/XXXX in the amount of {$14000.00}. 
XXXX. XXXX XXXX Last reported XX/XX/XXXX in the amount of {$1100.00}. 
XXXX. XXXX XXXX  -Last reported XX/XX/XXXX in the amount of {$37000.00} with a XXXX duplicate account reporting XXXX XXXX Last reported XXXX XXXX, XXXX {$0.00}. This XXXXXXXX XXXX account is being reported twice for the same incorrect loan, further damaging my credit. This duplication is inaccurate and must be corrected immediately 2. XXXX Account A XXXX account is being reported this is also not mine further damaging my credit. This is inaccurate and must be removed immediately. 

I request that TransUnion conduct a thorough investigation into these errors and remove all the invalid accounts from my report immediately. Failure to take appropriate action in compliance with the Fair Credit Reporting Act ( FCRA ) will result in further complaints to regulatory agencies. 

Attached are copies of my identification and any supporting documentation to assist with your investigation. Please provide me with a written confirmation once these errors have been resolved. 

Thank you for your prompt attention to this matter. I expect a full response within the timeframe outlined by the FCRA.

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 2025-03-20 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: DISCOVER BANK
State: AZ

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of multiple accounts on my XXXX credit report. Despite my previous disputes, these accounts remain on my report, and your office has failed to properly investigate, instead canceling investigations and impeding my ability to maintain accurate credit records. Due to this negligence, I will be filing a complaint with the Consumer Financial Protection Bureau ( CFPB ). 

The following accounts are erroneously reporting on my credit report : XXXX. XXXX XXXX XXXX XXXX Accounts for There are three XXXX XXXX accounts listed that do not belong to me. These accounts are invalid, and I request immediate removal from my credit report. 
XXXX. XXXX XXXX Last reported XX/XX/XXXX in the amount of {$14000.00}. 
XXXX. XXXX XXXX Last reported XX/XX/XXXX in the amount of {$1100.00}. 
XXXX. XXXX XXXX  -Last reported XX/XX/XXXX in the amount of {$37000.00} with a 4th duplicate account reporting XXXX XXXX Last reported XXXX XXXX, XXXX {$0.00}. This XXXX XXXX  account is being reported twice for the same incorrect loan, further damaging my credit. This duplication is inaccurate and must be corrected immediately 2. Discover Account A Discover account is being reported this is also not mine further damaging my credit. This is inaccurate and must be removed immediately. 

I request that XXXX conduct a thorough investigation into these errors and remove all the invalid accounts from my report immediately. Failure to take appropriate action in compliance with the Fair Credit Reporting Act ( FCRA ) will result in further complaints to regulatory agencies. 

Attached are copies of my identification and any supporting documentation to assist with your investigation. Please provide me with a written confirmation once these errors have been resolved. 

Thank you for your prompt attention to this matter. I expect a full response within the timeframe outlined by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: AZ

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of multiple accounts on my XXXX credit report. Despite my previous disputes, these accounts remain on my report, and your office has failed to properly investigate, instead canceling investigations and impeding my ability to maintain accurate credit records. Due to this negligence, I will be filing a complaint with the Consumer Financial Protection Bureau ( CFPB ). 

The following accounts are erroneously reporting on my credit report : XXXX. XXXX XXXX XXXX XXXX Accounts for There are three XXXX XXXX accounts listed that do not belong to me. These accounts are invalid, and I request immediate removal from my credit report. 
XXXX. XXXX XXXX XXXX reported XX/XX/XXXX in the amount of {$14000.00}. 
XXXX. XXXX XXXX XXXX reported XX/XX/XXXX in the amount of {$1100.00}. 
XXXX. XXXX fed -Last reported XX/XX/XXXX in the amount of {$37000.00} with a XXXX duplicate account reporting XXXX XXXX Last reported XXXX XXXX, XXXX {$0.00}. This XXXX XXXX  account is being reported twice for the same incorrect loan, further damaging my credit. This duplication is inaccurate and must be corrected immediately XXXX. XXXX Account XXXX XXXX account is being reported this is also not mine further damaging my credit. This is inaccurate and must be removed immediately. 

I request that XXXX conduct a thorough investigation into these errors and remove all the invalid accounts from my report immediately. Failure to take appropriate action in compliance with the Fair Credit Reporting Act ( FCRA ) will result in further complaints to regulatory agencies. 

Attached are copies of my identification and any supporting documentation to assist with your investigation. Please provide me with a written confirmation once these errors have been resolved. 

Thank you for your prompt attention to this matter. I expect a full response within the timeframe outlined by the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc.
State: IL

Complaint narrative:
XXXX  And KikoffLendingLLC Have reviewed a dispute and responded back saying my dispute was irrelevant. I included the date of XXXX which is the date the account reported the negative item, Ive disputed this item multiple times and I feel they arent doin theyre job correctly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX  XXXX on XX/XX/XXXXXXXX  under the account number XXXX, an auto loan account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$17000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-20 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-20 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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