vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX, XXXX, TransUnion ) Dispute Department **Subject : Formal Dispute & Demand for Immediate Correction or Deletion of Inaccurate Information** To Whom It May Concern, Under my rights granted by the **Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) **, I am formally disputing the following inaccurate, incomplete, or unverified accounts listed on my credit report. The information reported by ** [ Debt Collector/Creditor Name ] ** is **erroneous** and must be **corrected or deleted immediately**. 

# # # **Disputed Accounts** XXXX. XXXX XXXX XXXX XXXX Other {$300.00} Status Date Reported XX/XX/XXXX Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported XXXX. XXXX XXXX - XXXX XXXX Other {$1300.00} Status Date Reported XX/XX/XXXX Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due {$1300.00} XXXX. XXXX XXXX XXXX Credit Cards {$60.00} Status Date Reported XX/XX/XXXX Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due {$25.00} **Legal Demands : ** - **Investigation Required : ** Per FCRA 611, you are obligated to conduct a **reasonable investigation** within XXXX days** and provide me with written results. 
- **Verification or Deletion : ** If the disputed information ** can not be verified**, it must be **permanently deleted** from my credit file. 
- **Notification of Corrections : ** If changes are made, you must notify me in writing and provide an **updated credit report**. 
- **Creditor Notification : ** If the disputed information is modified or removed, you must also notify the furnisher ( debt collector ) of the change. 

**Enclosed Documentation : ** - Copy of my government-issued ID ( e.g., drivers license ) - Proof of address ( e.g., utility bill ) - [ Payment receipts/ Settlement letters/ FTC Identity Theft Report / Police report/ etc. ] **Failure to comply with FCRA regulations may result in legal action, including filing complaints with the Consumer Financial Protection Bureau XXXX CFPB ) and pursuing damages under XXXX ( willful noncompliance ) or XXXX ( negligent noncompliance ). ** I expect prompt resolution of this matter. Send confirmation of receipt of this dispute and your findings **no later than 30 days from the date of this letter**. 

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 non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
I am filing a complaint against Fair Collections & Outsourcing ( FCO ) for refusing to accommodate my request for electronic communication due to my XXXX, in violation of the XXXX, FDCPA, and XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX FCOs refusal makes it difficult to access important debt-related information and violates : XXXX ( XXXX XXXX. XXXX ( b ) ( XXXX ) ( A ) ( XXXX ) ) Failure to provide reasonable accommodations FDCPA ( 15 U.S.C. 1692f & 1692c ( a ) ) Unfair practices and communication in a known inconvenient manner XXXX XXXX XXXX XXXX XXXX XXXX Laws Failure to provide reasonable modifications I request CFPB intervention to require FCO to comply with federal and local law by honoring my request for reasonable accommodation for electronic communication.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: TX

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Multiple Data breach victim. 
negatively affecting my credit on my credit report fraudulent data. I received nothing from this inquiry. Please delete asap! to the Fair Credit Reporting Act 15 USC 1681 section 602 a.

Per Section 609 of 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 2025-04-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Multiple Data breach victim.

negatively affecting my credit on my credit report fraudulent data. I received nothing from this inquiry. Please delete asap! to the Fair Credit Reporting Act 15 USC 1681 section 602 a.

Per Section 609 of 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 2025-04-08 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:
XXXX XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XXXX on XXXX, XXXX under the account number XXXX, a credit card opened at XXXX on XX/XX/XXXX under the account number XXXX accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 # XXXX as proof from the XXXX 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 non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Assets Recovered, LLC
State: PA

Complaint narrative:
Assets never heard of company XXXX XXXX I have insurance

Company response to consumer: Untimely response
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. 
Legal Basis for Immediate Removal : Pursuant to XXXX XXXX Code XXXX, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under XXXX XXXX XXXX XXXX, Subpart H, credit bureaus are required to block and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within XXXX ( XXXX ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$2200.00} Under XXXX XXXX Code XXXX ( XXXX ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Under XXXX XXXX XXXX XXXX - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. 
Ceaseanddesistasap

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Birchwood Credit Services, Inc.
State: NJ

Complaint narrative:
Information exposed in data breach numerous times. All Information negatively reported need to be removed on all credit reports XXXX, XXXX, XXXX. 
Per Section XXXX ( XXXX ) of the Fair Credit Reporting Act ( FCRA ) the Fair Credit Reporting Act XXXX XXXX XXXX section XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: Kikoff Inc.
State: FL

Complaint narrative:
Kikoff is reporting a closed account on my credit report that does not belong to me. I never opened this account and did not authorize any activity associated with it. I contacted Kikoff directly and requested verification of the account and documentation proving it was mine. I received no response, and no documentation was provided.

This account continues to appear on my credit report, damaging my credit score and causing distress. The reporting of this unauthorized account is a violation of the Fair Credit Reporting Act ( FCRA ), and I am requesting immediate action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: NJ

Complaint narrative:
Im submitting this complaint because TransUnion is still reporting two accounts on my credit file that do not belong to me : XXXX XXXX  ( XXXX ) and XXXX CARD ( XXXX ). Ive already disputed both accounts more than once, and XXXX and XXXX have already deleted them, which confirms theyre fraudulent. Despite having all the same documentation, TransUnion continues to keep them on my report with no valid reason. This is now my second formal complaint, and their refusal to act violates several sections of the Fair Credit Reporting Act, including 15 U.S.C. 1681b ( no permissible purpose ), 1681i ( failure to reinvestigate ), 1681s-2 ( b ) ( knowingly reporting false or disputed data ), 1681e ( b ) ( failure to ensure maximum accuracy ), and 1681n ( willful noncompliance ). I never gave written consent for these accounts to be reported, and I absolutely do not agree to any form of automated handling like E-OSCAR. XXXX inaction has caused real consequences from emotional stress to financial hardship and even mortgage denials that left my family in a vulnerable housing situation. Im asking for both accounts to be deleted permanently and for this case to be manually reviewed by a trained individual. If this isnt resolved within 14 days, I will escalate the matter and take legal action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: TN

Complaint narrative:
Earlier today, I discovered some false accounts on my credit report, and Im unsure why they appeared. I check my report regularly, but these errors showed up unexpectedly. I thought it might be a technical issue and refreshed the page, but the wrong accounts were still there. Im now requesting a detailed review of the documents Ive sent so I can finally stop stressing over this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: AL

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year> These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: HI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-04-08 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: HI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: ID

Complaint narrative:
I am submitting this complaint pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) due to a data breach that has compromised my personally identifiable information ( PII ), including sensitive financial data. This breach has resulted in unauthorized activity on my credit file and may have long-term consequences for my financial security and creditworthiness.

I believe that one or more consumer reporting agencies, data furnishers, or third-party entities failed to take adequate and reasonable measures to protect my data, in violation of their obligations under the FCRA. Specifically, I have reason to believe that : My personal information was exposed or accessed without authorization ; There has been inaccurate or fraudulent information reported on my credit report ; I was not properly notified of the breach in a timely manner ; My rights to dispute or correct information have not been honored as required by law. 

I am requesting a formal investigation into this matter, correction of any inaccurate or fraudulent items on my credit report, and confirmation that all appropriate legal remedies and penalties will be pursued under the FCRA. I also request assistance in ensuring that affected entities implement improved data security measures and comply fully with federal consumer protection standards.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: ID

Complaint narrative:
I am submitting this complaint pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) due to a data breach that has compromised my personally identifiable information ( PII ), including sensitive financial data. This breach has resulted in unauthorized activity on my credit file and may have long-term consequences for my financial security and creditworthiness.

I believe that one or more consumer reporting agencies, data furnishers, or third-party entities failed to take adequate and reasonable measures to protect my data, in violation of their obligations under the FCRA. Specifically, I have reason to believe that : My personal information was exposed or accessed without authorization ; There has been inaccurate or fraudulent information reported on my credit report ; I was not properly notified of the breach in a timely manner ; My rights to dispute or correct information have not been honored as required by law. 

I am requesting a formal investigation into this matter, correction of any inaccurate or fraudulent items on my credit report, and confirmation that all appropriate legal remedies and penalties will be pursued under the FCRA. I also request assistance in ensuring that affected entities implement improved data security measures and comply fully with federal consumer protection standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: LA

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 2025-04-08 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:
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