vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Deinde Online Services, LLC
State: TN

Complaint narrative:
This formal complaint is filed by XXXX XXXX XXXX, Social Security Number : ( Private SSN ), Date of Birth : ( Private DOB ), to demand the immediate blocking of fraudulent information appearing on my consumer credit report. This action is requested pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), which mandates that you block information resulting from identity theft within four ( 4 ) business days of receiving this notification. 

The following fraudulent, inaccurate, and false accounts, which are the direct result of identity theft, are currently listed on my consumer credit report : INTEGRA CREDIT : Personal Loan, Account Number : ( private ), Opened on XX/XX/year>. 

These fraudulently opened accounts have led to the appearance of several unauthorized and inaccurate accounts and collections on my consumer XXXX credit report, severely damaging my creditworthiness. I have attached a detailed list of these fraudulent entries, along with a copy of my consumer XXXX credit report obtained from XXXX, which clearly highlights these erroneous items. 

I unequivocally state that I do not recognize, authorize, or have any affiliation with the aforementioned accounts or any associated collections. These entries are unequivocally the result of identity theft and fraudulent activity. 

To further substantiate my claim, I have also enclosed a copy of the official Identity Theft Criminal Complaint filed with the XXXX Federal Trade Commission ( FTC ), Case Number : ( private case number ). This document serves as conclusive proof that the disputed information on my credit report is a direct consequence of identity theft. 

Therefore, pursuant to my rights under the FCRA 605B, I demand that the XXXX credit reporting agency immediately block and subsequently remove all the aforementioned fraudulent accounts and any related derogatory items from my consumer credit report within the legally mandated timeframe. Your prompt attention to this urgent matter is crucial to mitigate further damage caused by this identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: NC

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$11000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$9500.00} XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year>

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 2025-04-23 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT  YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-04-23 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: AL

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4400.00} XXXX XXXX  XXXX, AL XXXX XXXX XXXX  XXXX, AL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: AL

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4400.00} XXXX XXXX  XXXX, AL XXXX XXXX XXXX  XXXX, AL 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 2025-04-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
In XX/XX/year>, I signed a lease for an apartment but never moved in due to severe safety and habitability issues ( pest infestation, mold, exposed wiring, and more ). Within 24 hours, I submitted a formal lease termination letter and later provided detailed evidence to management and the debt collector. 

Despite this, ProCollect began attempting to collect rental debt I do not owe. I requested debt validation, including proof of the charges, lease, and occupancy, but received no response. This debt is inaccurately reflected on my credit and has severely impacted my ability to secure housing.

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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: MD

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Fraudulent accounts were opened in my name without my consent as a result of being a victim of XXXX XXXX These accounts include auto loans, credit cards, and collection accounts from various financial institutions. I was coerced into financial arrangements that I could not control, resulting in adverse entries on my credit report. Upon escaping the XXXX  situation, I discovered multiple unauthorized debts negatively impacting my credit. On [ specific date ], I contacted the credit bureaus to dispute these accounts and began the process of clearing my credit profile. I also worked with XXXX XXXX, a federally recognized organization assisting survivors of XXXX XXXX to verify my victim status and obtain supporting documentation. Despite my efforts, the disputed accounts have not been fully removed or corrected. On I filed an identity theft report with the Federal Trade Commission ( FTC ) and submitted documentation to TransUnion requesting the removal of fraudulent accounts under 12 C.F.R. 1022.142. Additionally, I requested copies of all account statements and evidence of debt legitimacy from the creditors involved. As of now, the following unresolved fraudulent accounts continue to affect XXXX Auto Loan ( Account # XXXXXXXX XXXX XXXX XXXX XXXX ) - Opened on XXXX a balance of $ XXXX XXXX Auto Loan ( Account # XXXXXXXX XXXX XXXX XXXX XXXX ) - Opened on XX/XX/year> with a balance of $ XXXX Auto Loan ( Account # XXXX XXXX XXXX XXXX XXXX ) - Opened on XX/XX/year> with a balance of {$280.00}. 
These fraudulent accounts have severely impacted my credit, preventing me from obtaining housing, employment, and financial services. I am requesting the CFPB to facilitate the immediate removal of these accounts and to ensure compliance with regulations protecting victims of XXXX XXXX. Thank you for your attention to this matter and for supporting survivors like myself in regaining financial stability.

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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Ive been a Capital One customer since XXXX. Due to a temporary hardship, I missed a few payments in early XXXX. Since then, Ive paid perfectly and keep a {$0.00} balance. I requested goodwill adjustments and submitted disputes to have the late payments ( XXXX, XXXX, XXXX, and XX/XX/XXXX ) removed. Capital One has not responded or provided verification of the delinquencies. These late marks are unfairly impacting my score despite my positive account history. Im requesting these be removed or corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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:
This letter is being sent in response to a collection notice I received from your company. Be advised that this is not a refusal to pay, but a request for validation and verification of the alleged debt as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Under 15 U.S.C. 1692g, I am requesting that you provide the following information : The name and address of the original creditor ; The amount of the alleged debt and a complete itemization showing how the amount was calculated ; A copy of the original signed agreement or contract which bears my signature, or other verifiable documentation that proves I have a legal obligation to pay this debt ; Proof that you are licensed to collect debts in my state, if required by law ; A copy of any judgment ( if applicable ). 

Until you provide this documentation, you must cease all collection efforts, including any reporting to credit bureaus, in accordance with the FDCPA. Please also be advised that any continued collection activity without proper validation is a violation of federal law and my consumer rights. 

Additionally, I am informing you of my rights under 15 U.S.C. 1692k, which provides for civil liability against any debt collector who fails to comply with the provisions of the FDCPA. Violations of this law may subject your company to actual damages, statutory damages, and attorneys fees.

You are hereby notified that any further communication that does not comply with the FDCPA will be documented and may be used as evidence in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Fraudulent accounts were opened in my name without my consent as a result of being a victim of XXXX  XXXX. These accounts include auto loans, credit cards, and collection accounts from various financial institutions. I was coerced into financial arrangements that I could not control, resulting in adverse entries on my credit report. Upon escaping the XXXX  situation, I discovered multiple unauthorized debts negatively impacting my credit. On [ specific date ], I contacted the credit bureaus to dispute these accounts and began the process of clearing my credit profile. I also worked with XXXX XXXX, a federally recognized organization assisting survivors of XXXX XXXX, to verify my victim status and obtain supporting documentation. Despite my efforts, the disputed accounts have not been fully removed or corrected. On I filed an identity theft report with the Federal Trade Commission ( FTC ) and submitted documentation to TransUnion requesting the removal of fraudulent accounts under 12 C.F.R. 1022.142. Additionally, I requested copies of all account statements and evidence of debt legitimacy from the creditors involved. As of now, the following unresolved fraudulent accounts continue to affect me : XXXX Auto Loan ( Account # XXXXXXXX XXXX XXXX XXXX XXXX  ) - Opened on XXXX a balance of $ XXXX XXXX Auto Loan ( Account # XXXXXXXX XXXX XXXX XXXX XXXX ) - Opened on XX/XX/year> with a balance of $ XXXX Auto Loan ( Account # XXXX XXXX XXXX XXXX XXXX ) - Opened on XX/XX/year> with a balance of {$280.00}. 
These fraudulent accounts have severely impacted my credit, preventing me from obtaining housing, employment, and financial services. I am requesting the CFPB to facilitate the immediate removal of these accounts and to ensure compliance with regulations protecting victims of XXXX XXXX Thank you for your attention to this matter and for supporting survivors like myself in regaining financial stability.

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 2025-04-23 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: AL

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4400.00} XXXX XXXX  XXXX, AL XXXX XXXX XXXX  XXXX, AL 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 2025-04-23 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: NC

Complaint narrative:
I am sending to dispute the inclusion of this items on my credit report, as it was opened fraudulently by an individual using my stolen personal information ; pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ), I am formally requesting that this item be permanently delete from my credit file, as I have provided a valid Identity Theft Report and supporting documentation that proves I am not responsible for this account. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$7500.00} XXXX XX/XX/2023

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 2025-04-23 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: VA

Complaint narrative:
I've request for payment history and records adequate information student aid loan was transferred from student aid loan.gov to new financial server XXXX financial server inaccurate data was reporting to all three credit bureaus incomplete information balances payments and terms letters were sent out to financial institutions studentaid.gov receive dispute letters were forwarded to XXXX financial server on XX/XX/year> three to four months pass steel no response.......

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: OH

Complaint narrative:
Ed financial reported my student loan account as 90 day delinquent. This has caused my family and I to jeopardize our home loan that was set to close in the next 30 days. Due to EdFinancial not confirming or actively making sure they had the correct contact information to relay the information to myself that student loan payments had started again, this dropped my credit score a staggering XXXX points ruining my credit and any chances of providing for my family. As of today I have filed disputes with the 3 credit bureaus as well as EdFinancial.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Co-signer
Company: Maximus Federal Services, Inc.
State: VA

Complaint narrative:
XXXX XXXX ] [ XXXX, VA, XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/2025 ] DPT EDXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Dispute of Student Loan Account Information Following Sale of Personal Data Account Number : [ Your Account Number ] To Whom It May Concern, I am writing to formally dispute the handling and transfer of my personal information in relation to my student loan account listed above. It has come to my attention that my personal and financial information may have been sold, transferred, or otherwise disclosed without my full knowledge or explicit consent. 

I am requesting the following : XXXXFull disclosure of when, how, and to whom my information was sold, transferred, or disclosed. 
XXXXVerification and validation of my student loan account, including a detailed breakdown of balances, interest rates, payment history, and current status. 
XXXXImmediate correction or removal of any inaccurate, unauthorized, or improperly transferred account details or personal information that may have been shared. 
XXXXA written explanation of the steps your organization is taking to protect my information and prevent any future unauthorized disclosures. 

Under the Fair Credit Reporting Act ( FCRA ) and other applicable privacy and consumer protection laws, I have the right to dispute and request verification of any inaccurate or unauthorized information being shared or reported. 

I expect a prompt response within 30 days, as required by law. Please address this matter seriously, as it concerns both my financial standing and personal privacy. 

Thank you for your immediate attention to this matter. I look forward to your timely reply. 

Sincerely, XXXX XXXX Would you like this tailored for a specific servicer ( like XXXX, XXXX, or XXXX ) or made a little more assertive or legally heavy? I can adjust it however you need.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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:
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