vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: SD

Complaint narrative:
XXXX said my bill was paid in full. XXXX XXXX was the TV service I had. I returned the device as instructed when I canceled services. I called a few weeks later to confirm that the device had been returned and the charges were to be removed. The credit collector I.C. SYSTEM, INC calls, texts, etc to continually ask for money that is not due. This charge was cleared at XXXX a few weeks ago and once again " flagged '' by I.C. SYSTEM, INC on XX/XX/XXXX. I also came to this site in XXXX for the same issues. Please advise, Thank you.

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 2025-01-31 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: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
I am writing to dispute the handling of my personal financial information and to assert my rights under the Gramm-Leach-Bliley Act ( GLBA ), specifically 15 USC 6802. I believe [ Southwest Recovery Service ] has violated the GLBA concerning [ specifically describe the information you believe was mishandled. " the unauthorized sharing of my financial information with a third party, '' " the failure to provide me with a clear and conspicuous privacy notice, '' or " the failure to implement adequate safeguards to protect my personal financial information ''.

I received a notification that my account information was shared with [ Southwest Recovery Service ]. I did not provide consent for this sharing. '' and " I requested a copy of your privacy policy and have not yet received it. " ].

15 USC 6802 places restrictions on the disclosure of nonpublic personal information. " I believe this action violates 15 USC 6802 ( a ) as it constitutes the unauthorized disclosure of my nonpublic personal information to a nonaffiliated third party. '' and " I believe this action violates 15 USC 6802 ( b ) as I have not received a clear and conspicuous initial privacy notice. '' ] I request that you immediately investigate this matter and take corrective action to ensure compliance with the GLBA. This includes DELETE this account from my credit report I expect a written response within 14 days outlining the steps you have taken to address this issue. Failure to adequately address this matter may result in further action, including but not limited to filing a complaint with the appropriate regulatory agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: GA

Complaint narrative:
I sent the dispute below to Transunion, via Certified Mail, about a fraudulent XXXX XXXX account reporting on my credit file on XX/XX/year>. They have refused to complete a legitimate investigation with the documents that I submitted, along with blocking this info from my credit file. To Whom It May Concern : I am a victim of identity theft. The information listed below, which appears on my Transunion credit report, does not relate to any transactions that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. In support of this dispute, Ive enclosed the following documentation : A copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply.

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 2025-01-31 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
This is in response to a complaint.I alreadrefiled complaint number XXXX XXXX I Previously filed this complaint against women within. And comety Bank responded and said they closed the account with monetary settlement. 
Today I checked my experience credit account. And it was still open and reported. I had been {$110.00} late this month. 
This is not what comity Bank said they did Not closed and no monetary settlement

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information wad exposed in several data breaches as well. I have no recollection of applying for any of these accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! These fraudulent accounts are not only damaging my credit but also causing me significant stress and XXXX. I have no connection to these accounts and urgently request their immediate removal to prevent further harm to my financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information wad exposed in several data breaches as well. I have no recollection of applying for any of these accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! These fraudulent accounts are not only damaging my credit but also causing me significant stress and XXXX. I have no connection to these accounts and urgently request their immediate removal to prevent further harm to my financial well-being.

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 2025-01-31 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:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-01-31 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: NJ

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-01-31 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: OneMain Finance Corporation
State: MI

Complaint narrative:
Formal Demand to Validate Unauthorized Credit Inquiry I am writing to address a credit inquiry from your company dated XX/XX/year>2024 on my credit report. I do not recognize this inquiry, nor have I authorized Foursight CA to access my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681b, you are required to have permissible purpose before obtaining my consumer credit report. Which I did NOT provide. 

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to provide proof that you had a permissible purpose to obtain my credit information. I demand that you provide the following documentation immediately : XXXX. Proof of my explicit authorization for this inquiry, including any signed agreements or consent forms bearing the XXXX CA name. 
XXXX. A detailed explanation of the purpose of the inquiry and the basis on which it was made to XXXX CA. 
XXXX. The name and contact information of the individual or department within XXXX CA responsible for initiating this inquiry. 

If you can not provide the requested documentation proving that this inquiry was legally authorized, you must take immediate steps to : Remove the inquiry from my credit file. 
Notify all credit reporting agencies of the correction. 
Confirm in writing that these actions have been completed. 

Failing to respond to this request or refusing to provide proper validation will result in formal complaint being filed to the State Attorney Generals office and the Federal Trade Commission ( FTC ), and potentially pursue legal action for violations of my consumer rights. This unauthorized inquiry has damaged my creditworthiness and constitutes a serious breach of federal law. I expect your response within XXXX calendar days of receipt of this letter. Ignoring this matter will only escalate the issue further. Consider this my final attempt to resolve this issue directly with your company before taking legal and regulatory action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: IN

Complaint narrative:
I am filing this complaint because TransUnion has failed to properly verify a debt on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). Despite multiple requests for validation, they have not provided actual proof that this debt is accurate or that I am legally responsible for it. 

XXXX. Details of the Dispute On XX/XX/24, I submitted a dispute to TransUnion, requesting validation of a debt that appears on my credit report. 
On XX/XX/24, they responded, stating the debt was verified but failed to provide supporting documentation such as an original signed agreement or itemized account statements. 
On XX/XX/24, I sent a Method of Verification ( MOV ) request via certified mail, asking how they verified the debt and requesting details of the verifying party. 
TransUnion did not provide the requested documentation but continues to report the debt. 

XXXX. FCRA Violations Failure to Properly Investigate Under 15 U.S.C. 1681i ( a ), credit bureaus must conduct a reasonable investigation and provide documentation if requested. 
Continued Reporting of Unverified Debt The bureau has not provided proof that this debt is valid, yet they continue to report it. 
Lack of Transparency They refuse to disclose how they verified the debt, which violates my consumer rights under the FCRA. 

XXXX. Desired Resolution I request the immediate deletion of this unverified debt from my credit report. If TransUnion can provide actual documentation proving that I owe this debt, I request they send it to me. Otherwise, they must remove it. 

XXXX. Supporting Documents I have attached : My original dispute letter The credit bureaus response My Method of Verification ( MOV ) request A copy of my credit report showing the disputed debt

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 2025-01-31 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: VI

Complaint narrative:
After sending letters for months and months, Experian did not accurately investigate the negative items on my report.

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 2025-01-31 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: CCF Intermediate Holdings LLC
State: MD

Complaint narrative:
i did not authorize this company or any other company to pull my credit repor. they are reporting false information. I did authorize XXXX  XXXX  XXXX to pull my report. i did not apply for a loan. they are reporting false information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: AZ

Complaint narrative:
I have asked them to re-investigate this and send me proof which they never did XXXX days later after I submitted dispute they came back and said it was verified asked them to send me the proof and they never did

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 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: IN

Complaint narrative:
Was scammed sent over XXXX in crypto lost all my money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: TX

Complaint narrative:
I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/XXXX. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections XXXX ( 15 U.S.C. XXXX ), XXXX ( 15 U.S.C. XXXX ), and XXXX ( 15 U.S.C. XXXX ), I demand an immediate resolution. 
Unauthorized Inquiries in Question : XXXX - XX/XX/XXXX XXXX CARD - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX - XX/XX/XXXX Basis for Dispute Section XXXX ( 15 U.S.C. XXXX ) requires a prompt investigation of disputed information. I submitted my dispute over XXXX  days ago and have yet to receive an adequate resolution. 
Section XXXX ( 15 U.S.C. XXXX ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information. 
Section XXXX ( 15 U.S.C. XXXX ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section. 
Immediate Request : I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries. 
Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report. 
Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes. 

Enclosed are copies of my previous dispute letter and a copy of my identification for verification purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: CA

Complaint narrative:
I moved out of my apartment home in XX/XX/year>2024 upon agreement to pay the back due rent. I began a payment arrangement with the first money order submitted on XX/XX/year>2024 in the amount of XXXX. I received copy of the disposition of security deposit on XX/XX/year>2024 in the amount of XXXX. After submitting the payment of XXXX which was included in the revised statement, the amount due changed to XXXX. The revised statement changed the past  due months I would be responsible for. I stopped hearing from the property manangement and I received a notice from I.Q. DATA XXXX XXXX and I wrote a dispute on XX/XX/year>2024 to provide verification, as it attempted to collect the amount of XXXX. They did not provide verification and proceeded to report to the credit bureaus, in which I have filed a dispute on XX/XX/year>2024 in writing through XXXX and they havent responded and proceeded to add interest on the collection and report to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: TX

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of a debt associated with my account [ Account Number, if available ]. 

I have submitted supporting documentation to your company, Experian, and XXXX demonstrating that the reported information is incorrect. Additionally, I have filed a complaint with XXXX XXXX regarding the inaccuracies in your reporting. Despite my submission of clear evidence, XXXX XXXX has responded by stating that the information is correct. 

However, on XX/XX/year>, I received a notification from my Experian dispute account stating that you have " verified the information, and there is no change ; the accounts will remain on my credit report. '' This response is unacceptable, as I have provided proof that this debt is inaccurately reported and should be removed. 

Your continued failure to correct these inaccuracies constitutes violations of multiple consumer protection laws, including : The Fair Credit Reporting Act ( FCRA ) : You are legally required to ensure the accuracy of the information reported to credit bureaus. The continued misreporting of this debt, despite receiving proof of inaccuracies, violates my rights under this law. 
The Fair Debt Collection Practices Act ( FDCPA ) : You must provide proper validation of the debt and may not engage in deceptive or unfair reporting practices.

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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Had to Call in for incorrect name removal. But instead of removing name. Thy did a name modification. Knowing that removing the name tied to false negative credit that was deleted & sold to be Re-inserted back onto my profile would drop off. So they modified the name changing it to correct name. Then would not take fake adress off my name. When I lived on a XXXX, NOT a XXXX. If you XXXX address with XXXX, It goes to XXXX. Meaning the frauder made a typo... They Also change the Adress to the Same Adress XXXX XXXX XXXX'. I haven't lived at a resident with a XXXX XXXX  '' since XXXX from high school. 
Then I ask them how does my debt get closed, deleted then sold & Re-inserted back onto my credit.They claimed to be concerned, but a few hrs later. They change information to " DEBT BUYER '' under the collection companys name. Which now has one of the company 's sending me a change of debt collection letter. That should of been here 1 yrs ago.But since I've done my due diligence with help of the CFPB. They now want to conform on a bad deal. Experian also knows my social security number has been across the Dark web for the Past 5yrs from Breaches because their premium app disclosed that. THEN... you display XXXX as XXXX credit rating. Although i didn't participate in the class action. XXXX corrected and monitored it for a min. Then I locked it for some time. Now they'd started Re-inserting what they have on TRANSUNION or Experian. But one thing they have is the range of score. It at XXXX now. But was a XXXX. So why does Experian potrays XXXX XXXX, When XXXX is XXXX? Knowing there the Most common checked Source. TRANSUNION IS EXPERIAN as far as this matter goes...

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