vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
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 - XX/XX/XXXX - {$0.00} XXXX - XXXX XXXX XXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$0.00} XXXX - XXXX XXXX XXXX - XX/XX/XXXX - {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$28000.00} XXXX - XXXX XXXX XXXX - XX/XX/XXXX - {$200.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  {$0.00} 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 Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-03-28 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:
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 - XX/XX/XXXX - {$0.00} XXXX - XXXX XXXX XXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$0.00} XXXX - XXXX XXXX XXXX - XX/XX/XXXX - {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$28000.00} XXXX - XXXX XXXX XXXX - XX/XX/XXXX - {$200.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  {$0.00} 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 Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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: MI

Complaint narrative:
I checked my credit profile and saw some inquiries that don't belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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: MS

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. I want this unauthorized inquiries account blocked from my credit report within 5BD

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

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 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. 

Account : XXXX XXXX XXXX XXXX XX/XX/year>, {$720.00}

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 2025-03-28 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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: AZ

Complaint narrative:
I would like to request the temporary removal of the security freeze on my credit report to allow authorized financial institutions to access my credit history. This is necessary for the processing of my loan application, which requires a review of my creditworthiness and financial standing. Please proceed with lifting the freeze as soon as possible to ensure a smooth and timely evaluation of my application.

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 2025-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
Transworld sent me a letter stating i owe a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: NY

Complaint narrative:
I discovered that my personal information was used to fraudulently lease a car on XX/XX/XXXX during XXXX. Upon finding out, I contacted the dealership- XXXX XXXX XXXX, but they failed to investigate and reported the account as a charge-off amounting to {$12000.00} on XX/XX/XXXX to the credit bureaus, which negatively impacted my credit. 
I disputed the fraudulent account multiple times with the credit bureaus, but XXXX of them did not resolve the issue. Despite my previous dispute and the submission of substantial evidence proving that the lease was fraudulently obtained in my name, Equifax, XXXX and XXXX XXXX XXXX or XXXX XXXX Fraud Department have failed to remove this account, which is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I discovered that my personal information was used to fraudulently lease a car on XX/XX/XXXX during XXXX. Upon finding out, I contacted the dealership- XXXX XXXX XXXX, but they failed to investigate and reported the account as a charge-off amounting to {$12000.00} on XX/XX/XXXX to the credit bureaus, which negatively impacted my credit. 
I disputed the fraudulent account multiple times with the credit bureaus, but two of them did not resolve the issue. Despite my previous dispute and the submission of substantial evidence proving that the lease was fraudulently obtained in my name, XXXX, Experian and XXXX XXXX XXXX or XXXX XXXX XXXX Department have failed to remove this account, which is a clear violation of my rights under the Fair Credit Reporting Act ( 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 explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Patient Accounting Service Center
State: AZ

Complaint narrative:
Company originally sent me a written notice about debt in XXXX of XXXX, for which I disputed, sent their paper disputing back to them AND wrote a letter to include my notes from the debt, payments I have made, and a letter from the drug company agreeing to pay for the drug-which was never deducted from my bill. Also provided logs of phone conversations I had with this original company where medical debt was incurred to include dates of recent payments and agreement to continue to work with me in updating the billing amount owed. 

Received a second letter from ARstrat company dated XX/XX/XXXX after my initial letter of dispute was sent. They sent a letter referencing a different account number than initially noted by them, and another copy of the bill from Honor Health. The addresses on this letter were also different than in initial communication and different than where I sent my initial letter of dispute -concerning to me and indicating that they are not authorized to collect on this debt at all, and are not keeping accurate records of my dispute or account. Letter has a name of someone at the bottom and a note to call with questions, however, there is NO telephone number included in this communication at all. This seems like a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: GA

Complaint narrative:
XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX, GA XXXX, XXXX, XX/XX/XXXX, I am submitting this complaint to the Consumer Financial Protection Bureau XXXX CFPB ) regarding TRANSUNION XXXX specifically in relation to the recent data breach that has compromised the personal information of countless consumers, including myself. Pursuant to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), I request the removal of fraudulent information from my credit report that has resulted from identity theft and fraud. XXXX is legally required to complete this action within four business days of receiving this complaint. *Fraudulent Accounts to be Removed : * XXXX XXXX {$590.00} XX/XX/XXXX XXXX XXXX  XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX *** The accounts listed above are fraudulent and have led to numerous unauthorizedhard inquiries and derogatory collections appearing on my FICO credit report. These entries areunequivocally tied to identity theft and are negatively impacting my credit standing. To substantiatemy claim, I have enclosed documentation of my FTC Identity Theft Complaints ( XXXX ), which serves as compelling evidence that these accounts, inquiries, and collections are the result of identity theft and fraud. The negligence of XXXX in safeguardingconsumer data has enabled identity thieves to exploit my personal information. I expect immediateaction to rectify this matter, with acknowledgment of receipt of this complaint and confirmation of thesteps being taken to remove the fraudulent information. Failure to comply with this legal obligationwill compel me to take further action, including escalation to the CFPB, Federal Trade Commission, and legal avenues available to protect my rights as a consumer. Thank you for your attention to thisurgent matter. Sincerely, 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 2025-03-28 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: FL

Complaint narrative:
there are inquiries and an account that does not belong to me. this is my identity theft report this is wrong all of this isnt mine. INQUIRIES - XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX ACCOUNTS - XXXX XXXX XXXXXXXX XXXX - XXXX THESE ARE NOT MINE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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: FL

Complaint narrative:
there are inquiries and an account that does not belong to me. this is my identity theft report this is wrong all of this isnt mine. INQUIRIES - XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX ACCOUNTS - XXXX XXXX XXXXXXXX XXXX - XXXX THESE ARE NOT MINE

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 2025-03-28 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX To : XXXX XXXX XXXX XXXX Customer Service and Legal Department XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Complaint and Demand for Acknowledgment of Perfected Security Interest Account Ending in XXXX To Whom It May Concern, I, XXXX XXXX XXXX , am submitting this formal written complaint and demand for acknowledgment and enforcement of my perfected security interest in connection with the Blue Cash Everyday credit card account ending in XXXX. 
As the secured party and creditor, I have executed and filed a UCC-1 Financing Statement with the Michigan Secretary of State, confirming my secured status against the debtor. The financing statement ( XXXX XXXX. XXXX, filed on XX/XX/year> ) lists both XXXX XXXX XXXX and XXXX XXXX as debtors and clearly identifies my claim as a secured party in all associated collateral. 
Supporting documents include : A valid Security Agreement, signed and executed. 
A Durable Power of Attorney, granting lawful authority. 
Financial statements confirming filing and perfection status. 
A UCC-1 filing, with acknowledgment by the Michigan Secretary of State.

As the secured creditor, I am legally entitled to assert and enforce my interest in this account under Article 9 of the Uniform Commercial Code ( UCC ). You are hereby notified of your obligation to : 1. Acknowledge my perfected security interest ; 2. Provide full disclosure and access to any and all information and activity regarding the above-referenced account ; 3. Cease any action that interferes with or contradicts the interests of the secured party ; 4. Correct the record to reflect the secured status of this account. 
Your failure to recognize and respect my legal position as a perfected secured creditor may result in formal action and remedies as allowed under state and federal law.

I hereby demand written acknowledgment of this security interest within ten ( 10 ) business days of receipt of this notice, and request prompt cooperation to resolve any disputes amicably and administratively.

If you require additional verification, I am prepared to supply certified copies of the UCC-1, Security Agreement, Durable Power of Attorney, and any other documentation upon request. 
Sincerely, XXXX XXXX XXXX Authorized Representative and Secured Party ( 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 2025-03-28 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX To : XXXX XXXX XXXX XXXX  Customer Service and Legal Department XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Complaint and Demand for Acknowledgment of Perfected Security Interest Account Ending in XXXX To Whom It May Concern, I, XXXX XXXX XXXX , am submitting this formal written complaint and demand for acknowledgment and enforcement of my perfected security interest in connection with the Blue Cash Everyday credit card account ending in XXXX. 
As the secured party and creditor, I have executed and filed a UCC-1 Financing Statement with the Michigan Secretary of State, confirming my secured status against the debtor. The financing statement ( Filing No. XXXX, filed on XX/XX/year> ) lists both XXXX XXXX XXXX and XXXX XXXX as debtors and clearly identifies my claim as a secured party in all associated collateral. 
Supporting documents include : A valid Security Agreement, signed and executed. 
A Durable Power of Attorney, granting lawful authority. 
Financial statements confirming filing and perfection status. 
A UCC-1 filing, with acknowledgment by the Michigan Secretary of State.

As the secured creditor, I am legally entitled to assert and enforce my interest in this account under Article 9 of the Uniform Commercial Code ( UCC ). You are hereby notified of your obligation to : 1. Acknowledge my perfected security interest ; 2. Provide full disclosure and access to any and all information and activity regarding the above-referenced account ; 3. Cease any action that interferes with or contradicts the interests of the secured party ; 4. Correct the record to reflect the secured status of this account.

Your failure to recognize and respect my legal position as a perfected secured creditor may result in formal action and remedies as allowed under state and federal law.

I hereby demand written acknowledgment of this security interest within ten ( 10 ) business days of receipt of this notice, and request prompt cooperation to resolve any disputes amicably and administratively.

If you require additional verification, I am prepared to supply certified copies of the UCC-1, Security Agreement, Durable Power of Attorney, and any other documentation upon request. 
Sincerely, XXXX XXXX XXXX Authorized Representative and Secured Party ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief