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 — Information belongs to someone else
Company: Experian Information Solutions 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 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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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: CA

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute an unrecognized inquiry on my credit report, which I believe was made without my authorization. According to my recent credit report, I noticed a hard/soft inquiry that I do not recognize, nor did I consent to. This inquiry is having a negative impact on my credit report and needs to be removed immediately. 

Inquiry Details : Date of Inquiry : XX/XX/year> Company Name : XXXX XXXX XXXX ( Finance ) Inquiry Type : Hard Inquiry Under 15 U.S.C. 1681i of the Fair Credit Reporting Act, I am entitled to request the removal of inaccurate or unauthorized information from my credit report. I am hereby requesting that you investigate and remove this unrecognized inquiry within 7 business days or less. If the inquiry is found to be unauthorized or inaccurate, I expect that it will be removed from my credit report without delay. 

I also request that you send me written confirmation of your investigation results and any actions taken, as required by law. If you are unable to remove the inquiry within the stipulated time frame, I expect a detailed explanation as to why the inquiry can not be removed. 

Please treat this matter with urgency and respond to me within the 7-business-day timeframe as specified by the Fair Credit Reporting Act. 

Thank you for your prompt attention to this matter. Should you require any additional information or documentation to resolve this issue, please do not hesitate to contact me. 

Sincerely, 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 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: MO

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Dispute of Charge from L J Ross Associates XXXX XXXX XXXX Dear Sir/Madam, I am writing to formally dispute a charge issued by L J Ross Associates . I believe this charge is in violation of section XXXXXXXX XXXX XXXXXXXX of the Consumer Financial Protection Bureaus regulations, which governs fair debt collection practices.

Details of the Charge : Creditor Name : L J Ross Associates Account Number : No Account Number or Address is listed Charge Amount : No Charge Amount is Listed Date of Charge : No date of charge is Listed I assert that this charge is improper for the following reasons : Such charge is improper practice, incorrect amount, lack of proper documentation.I have never had any contact of agreement of any kind with L J Ross Associates.As per XXXXXXXX XXXX XXXXXXXX, debt collectors must follow specific rules regarding transparency, validation of debt, and prohibition of abusive practices. I respectfully request that the CFPB investigates this charge and takes appropriate action to resolve the matter in accordance with the law.I look forward to your prompt investigation and resolution of this issue. Should you require any further information or clarification, please feel free to contact me at XXXX or XXXX you for your attention to this matter. 
Sincerely, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC
State: GA

Complaint narrative:
Jefferson Capital as reached out to someone other than myself trying to obtain payment for a debt! This is a violation of privacy considering they are sharing information. I have also emailed them for a purchase agreement to see if they even own the debt at hand.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am contacting you to express my concerns about several issues I have encountered with the credit bureau, including incorrect account listings, inaccurate credit reporting, and billing errors.

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: IL

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-20 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: EQUIFAX, 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 XXXXb 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. CXXXXe XXXX ) says ( XXXX ) 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 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXX ) says ( XXXX ) 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. 

This is a violation of both 15 U.S. CXXXXe XXXXb ( XXXX ) and 15 U.S. CXXXXe XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. CXXXXe XXXXn, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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: VA

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 XXXXB 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 explanation
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: DISCOVER BANK
State: AL

Complaint narrative:
To Whom It May Concern This letter pertains to accounts from XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, and Discover Bank, which has been reported as a charge-offs. I am writing to request the following information and to discuss the management of this account. These accounts were reported as a charge-offs, which is negatively affecting my credit score. The reporting of these accounts are incorrect, as I still see a balance after it was charged off. I urge XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, and Discover Bank to reinvestigate and provide all the missing information. Additionally, please explain why a past-due balance is reported while the report indicates charge-offs. I'm confident you are aware that these actions are violations. I request the immediate deletion of these accounts to ensure that these agencies reports only complete and accurate information on my account. 

Request for Copy of Form XXXX : Pursuant to Internal Revenue CXXXXe ( XXXX ) Section XXXXP, I formally request a copy of the Form XXXX, Cancellation of Debt, that you filed with the IRS regarding this account . Please provide this document within XXXX days of the date of this letter. 
Investigation of Charge-Off and Credit Reporting : I am concerned that a charge-off has been reported while a balance remains outstanding on my credit report. This discrepancy raises serious questions about the accuracy of your reporting and potential violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX et seq. 
I demand a full investigation into the circumstances surrounding this charge-off, including : The specific date for the charge-off. 
Documentation verifying the remaining balance as reported to credit bureaus. 
A detailed explanation of how XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, and Discover Bank reconciles charge-offs with ongoing credit reporting. 
I believe that reporting a charge-off while simultaneously listing a balance on my credit report is misleading and potentially fraudulent. 
Insurance Claim Information : I request confirmation as to whether XXXX  XXXX, XXXX XXXX XXXX XXXX, and Discover Bank filed an insurance claim related to the charge-off of this debt. If an insurance claim was filed, please provide the following : The name of the insurance company. 
The claim number. 
A summary of the information provided to the insurance company regarding this account. 
I am requesting this information to determine if any insurance related activity has impacted my account. 
I expect a written response to these requests within XXXX days of the date of this letter. Failure to provide the requested information may result in further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies. 

Please send all requested documents and correspondence to XXXX XXXX XXXX, XXXX XXXX, AL XXXX. 

Sincerely, XXXX XXXX

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: Experian Information Solutions Inc.
State: SC

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: SC

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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Servicer under contract with Federal Student Aid
State: MT

Complaint narrative:
On XX/XX/XXXX, it was reported that the XXXX XXXX XXXX XXXX ( XXXX XXXX  led by XXXX XXXX, accessed federal student loan records without borrower consent. Concerned that my personal loan information may have been compromised, I contacted XXXX XXXX on XX/XX/XXXX, seeking confirmation of whether my data had been accessed. 

XXXX failed to provide a clear response, only stating that they comply with federal privacy laws but not confirming whether my records were accessed or compromised. They also directed me to standard student loan discharge programs, despite my request being based on a privacy violation rather than standard forgiveness criteria. 

On the same day, XX/XX/XXXX, I also filed a complaint with Federal Student Aid ( FSA ), but I was unable to reach a live representative. I later received a generic response that did not address whether my records were accessed or what security measures were being implemented. 

Since neither XXXX nor FSA provided a direct answer, I filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX, requesting an investigation. 

I have specifically asked : Was my student loan data accessed by XXXX or any federal agency without my consent? 
Does this breach violate XXXX or the Privacy Act of XXXX? 
What actions are being taken to prevent further unauthorized access? 
Who authorized this access, and where is the documentation? 
Neither XXXX nor FSA has confirmed whether my data was accessed, nor have they outlined any corrective security measures. Instead, they have provided generic responses about their compliance with privacy laws without addressing my specific concerns. 

What I Am Requesting : A formal investigation into whether my student loan data was accessed without my consent. 
Written confirmation on whether my records were compromised. 
A determination on whether this privacy breach provides grounds for loan discharge, as my personal financial data may have been unlawfully accessed and mishandled. 
Accountability from XXXX and the Department of Education regarding data security and protection against future unauthorized access. 
I am seeking a clear, direct response and resolution rather than generic statements about compliance.

Company response to consumer: Untimely response
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: VA

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Forest Recovery Services LLC
State: TX

Complaint narrative:
To Whom It May Concern, Dear Consumer Financial Protection Bureau, I am filing a formal complaint regarding an unauthorized charge of {$680.00} from XXXX XXXX, which has been placed for collection by Forest Recovery Services. I do not recognize this debt, nor have I ever agreed to or authorized these charges. 

Despite my previous request for validation of the debt, Forest Recovery Services has failed to provide any supporting documentation, including proof of my agreement to the charge, a breakdown of the amount owed, or evidence that they have the legal right to collect this debt. They have also not responded with any verification as required under the Fair Debt Collection Practices Act ( FDCPA ). 

I am requesting the CFPB to investigate this matter and ensure that the debt collector either provides the necessary documentation or removes this account from my credit report. I believe this collection attempt to be inaccurate and unjustified, and I seek your assistance in resolving this issue. 

Please let me know the next steps in this process. I appreciate your time and attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation