vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
: Debt Validation Request Pursuant to FDCPA ( 15 U.S.C. 1692g ) To Whom It May Concern, I, XXXX XXXX, am formally disputing the alleged debt referenced in your communication with me. Under 15 U.S.C. 1692g, I am requesting that you validate this debt and provide evidence that I am legally obligated to pay. 

According to XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. App. XXXX ), a simple assertion of a debts validity is insufficient. You must provide : Proof of the original contract with my signature, demonstrating my legal obligation to pay. 

A full itemization of the alleged debt, including principal, interest, fees, and any additional charges. 

The name and address of the original creditor. 

Documentation that your company has the legal right to collect this debt, including a valid assignment or chain of title. 

Under XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), if you fail to provide adequate validation within 30 days, all collection activity must cease immediately. Additionally, continued reporting of an unverified debt to credit bureaus may constitute a violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681s-2 ( b ), as established in XXXX v. XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ). 

Failure to comply with this request may result in legal action against your company for violations of FDCPA and FCRA, including statutory damages of up to {$1000.00} per violation ( 15 U.S.C. 1692k ), plus attorney fees and court costs. 

Additionally, per XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), even attorneys engaged in debt collection must comply with FDCPA regulations. 

Until proper validation is received, I request that you : Cease all collection activities, including phone calls and letters. 

Refrain from reporting this debt to credit bureaus or, if already reported, mark it as " in dispute '' ( 15 U.S.C. 1681s-2 ( a ) ( 3 ) ).

This letter serves as a formal dispute and Cease and Desist notice under FDCPA and FCRA. If you fail to respond appropriately within 30 days, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney General. 

Please respond in writing to the address provided. 

Sincerely, XXXX XXXX Without Prejudice, All Natural Rights Reserved

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: SC

Complaint narrative:
I request the immediate removal of the unauthorized accounts from my credit report. These accounts were not opened or approved by me, and I am unaware of their source. As per USC 1681g, I ask that they be deleted within 15 days. Please find the enclosed documents for your review.

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 2025-03-07 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: MD

Complaint narrative:
Ive discovered inaccuracies on my report that are unfairly affecting my scores and costing me valuable opportunities. Its incredibly frustrating to deal with the consequences of mistakes that arent 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 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be Inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency verres a consumer reoo, " shall follow reasonable, procedures to ensure the maximun possible of accuracy of the information concerning the individual about whom the report relates 15 U.s. Code 16811 ( 5 ) Treatment of inaccurate or unventiabie information ( A ) in general after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, the consumer reporting agency shall- promptly delete that item of information from the file of the consumer, or modity that item of information, as appropriate, based on the results of the reinvestigation ; and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : 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 2025-03-07 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: MS

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2025-03-07 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: MS

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Ingo Money, Inc.
State: CA

Complaint narrative:
XXXX, Ingo rep said im not sure when I asked what information is not able to be verified. She didn't provide any solution, she didn't tell me why my when I emailed in XXXX I never got a reply when ingo said they will have risk management contact me within XXXX hours but it never happened, same thing happened in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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:
XXXX XXXX, XXXX : XXXX, XXXX XXXX XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that TransUnion promptly block and remove fraudulent information from my consumer credit report within four business days of receiving this complaint. The fraudulent, inaccurate, and unauthorized information includes the following accounts : XXXX. XXXX XXXX Opened XX/XX/XXXX Account # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX ( Auto Insurance ) Opened XX/XX/XXXX Account # XXXX XXXX. XXXX XXXX ( Collections Account ) Opened XX/XX/XXXX Account # XXXX XXXX. XXXX XXXX  XXXX ( Collections Account ) Account # XXXX These fraudulent accounts have resulted in multiple unauthorized hard inquiries and collection accounts appearing on my consumer FICO credit report, negatively impacting my credit profile. I have attached a detailed list of these hard inquiries, along with a copy of my credit report as maintained by TransUnion, which clearly shows the presence of these fraudulent items.

I want to make it clear that : I do not recognize these accounts, collections, or hard inquiries.

I did not open, initiate, or authorize these accounts, collections, or inquiries.

These accounts, collections, and inquiries are the direct result of identity theft and fraud. 

To substantiate my claim, I have attached a copy of my FTC Identity Theft Criminal Complaint # XXXX, which serves as official documentation from the U.S. Federal Trade Commission confirming that these consumer credit accounts, collections, and inquiries are the result of identity theft and fraud.

I request immediate action to block and permanently remove these fraudulent accounts, collections, and inquiries from my credit file in accordance with federal law. Please confirm receipt of this complaint and provide a written response outlining the steps taken to resolve this issue.

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 2025-03-07 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:
PLEASE REMOVE/DELETE/BLOCK FRAUDELENT ACCOUNT IMMEDIATELY ACCORDING TO FRCA 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 2025-03-07 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
PLEASE REMOVE/DELETE/BLOCK FRAUDELENT ACCOUNT IMMEDIATELY ACCORDING TO FRCA 605B.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
I had multiple high-annual-fee credit cards with American Express, and paid the full annual fee recently. But shortly after I paid fee, American Express closed my accounts. I contacted them asking for a prorated refund of the fee and got denied.

Here are the cards that I paid annual fee and the date and amount. 
XX/XX/year> : {$250.00} to XXXX XXXX XXXX  XX/XX/year> : {$690.00} for XXXX XXXX XXXX  XX/XX/year> : {$670.00} for XXXX XXXX XXXX XXXX XX/XX/year> : {$640.00} for XXXX  XXXX XXXX XXXX All of my cards were closed on XX/XX/year>, so I should get partial refund for all of them. 
XXXX XXXX XXXX : $ XXXX = {$110.00XXXX XXXX XXXX XXXX  : $ XXXX = {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX = {$490.00} XXXX XXXX XXXX XXXX : $ XXXX = {$520.00} Therefore the total partial annual fee refund should be : {$1400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the following unauthorized hard inquiries appearing on my Equifax credit report. These inquiries were conducted without my express authorization, in violation of the Fair Credit Reporting Act ( FCRA ) and relevant case law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am 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 XXXX 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 non-monetary relief
Consumer complaint received 2025-03-07 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
The response from the credit bureau stated that the request did not appear to be sent directly by me. Which was not true, the request for immediate removal was sent from account owner.

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 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
The response from the credit bureau stated that the request did not appear to be sent directly by me. Which was not true, the request for immediate removal was sent from account owner.

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 2025-03-07 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-03-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
Subject : Debt Validation Request Pursuant to FDCPA ( 15 U.S.C. 1692g ) To Whom It May Concern, I, XXXX XXXX, am formally disputing the alleged debt referenced in your communication with me. Under 15 U.S.C. 1692g, I am requesting that you validate this debt and provide evidence that I am legally obligated to pay. 

According to XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ), a simple assertion of a debts validity is insufficient. You must provide : Proof of the original contract with my signature, demonstrating my legal obligation to pay. 

A full itemization of the alleged debt, including principal, interest, fees, and any additional charges. 

The name and address of the original creditor. 

Documentation that your company has the legal right to collect this debt, including a valid assignment or chain of title. 

Under XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), if you fail to provide adequate validation within 30 days, all collection activity must cease immediately. Additionally, continued reporting of an unverified debt to credit bureaus may constitute a violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681s-2 ( b ), as established in XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ). 

Failure to comply with this request may result in legal action against your company for violations of FDCPA and FCRA, including statutory damages of up to {$1000.00} per violation ( 15 U.S.C. 1692k ), plus attorney fees and court costs. 

Additionally, per XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), even attorneys engaged in debt collection must comply with FDCPA regulations. 

Until proper validation is received, I request that you : Cease all collection activities, including phone calls and letters. 

Refrain from reporting this debt to credit bureaus or, if already reported, mark it as " in dispute '' ( 15 U.S.C. 1681s-2 ( a ) ( 3 ) ). 

This letter serves as a formal dispute and Cease and Desist notice under FDCPA and FCRA. If you fail to respond appropriately within 30 days, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney General. 

Please respond in writing to the address provided. 

Sincerely, XXXX XXXX Without Prejudice, All Natural Rights Reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: NY

Complaint narrative:
I am filing this complaint against TransUnion for failing to properly investigate and remove unverifiable closed accounts and a bankruptcy from my credit report in violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX of Events : XX/XX/year> I reviewed my credit report and found inaccurate closed accounts and a XXXX that should no longer be reported. 
XX/XX/year> I sent a dispute letter via certified mail requesting verification and removal of these items. 
XX/XX/year> The credit bureau acknowledged receipt and initiated a XXXX investigation. 
The bureau failed to remove all disputed accounts and the bankruptcy, even though they could not provide proper verification. 
Violations of the FCRA : Unverifiable Accounts Must Be Deleted FCRA 611 ( a ) ( 5 ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ) If the credit bureau can not verify an account within 30 days, it must be deleted. Since some accounts were deleted and others were not, this indicates inconsistent reporting and an incomplete investigation. 
Bankruptcy Can not Be Verified FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Credit bureaus do not obtain XXXX records from the courts directlythey purchase this information from third-party vendors like XXXX. 
Since I have frozen my XXXX and XXXX reports, the credit bureau should not have been able to verify the XXXX, making it ineligible for reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: GA

Complaint narrative:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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