vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-23 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:
MY PERSONAL INFORMATION WAS INVOLVED IN BOTH EQUIFAX AND NPD DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED.

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND 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 2025-03-23 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: NC

Complaint narrative:
MY PERSONAL INFORMATION WAS INVOLVED IN BOTH EQUIFAX AND NPD DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED.

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
it was a new credit card, I missed a payment as I did not have my credit card to open an account to pay it off, I finally got help, paid my balance and a late fee to XXXX. 

THey kept charging me a little over XXXX a month, when my balance was a little over {$4.00} I asked htem to close my account, and it wasnt fair as I paid off my balance to XXXX. SO they closed my account, but they keep charging interest, and wont stop until THEY decide to charge it off. I do not owe anything but interest charges, and I keep trying to work with them, but they refuse to stop charging interest. THis seems very predatory.

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 2025-03-23 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: MI

Complaint narrative:
I looked at my report back on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

This account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is not complete and it's not accurate. 

XXXX XXXX open date is not reporting correctly, Account type, Terms, payment status and Last date reported on this account is not accurate XXXX  XXXX XXXX XXXXXXXX open date not reporting correctly, last reported and they sent me a letter stating that this debt was sold this information reporting is not accurate XXXX XXXX XXXX XXXX Account status, date opened and last active not reporting accurate, Santander XXXX, Balance, number of months, high credit, past due, last reported, last active and last payment is not accurate XXXX XXXX XXXX XXXXXXXX Account Status, Date opened, No of months ( term ), high credit, last reported last active and last payment are reporting inaccurately I sent a letter on XX/XX/year>, asking them to re investigate this accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX here is my tracking number XXXX I got the investigation back but noticed nothing was modified or updated. 


So I requested a description of the re investigation and they do not provide it to me which is a violation of 15 USC 168117.

They also violated 15 USC 1681 ( 5 ).

Can you look into this matter

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 2025-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: FL

Complaint narrative:
In XX/XX/year> I purchased XXXX retainer system. Per their email that I received, they stopped operations in XX/XX/year>. Therefore, I was not able to finish my treatment or access the agreed upon dental assistance to ensure proper tooth alignment. My teeth are now misaligned because I was not able to receive the last set of retainers from them, nor proper dental treatment from a licensed dental professional. They have violated their contract with me by not competing services and ceasing operations by going out of business, but have attempted to add a collection on my credit report via Tek Collect in the amount of XXXX which exceeds the amount of the entire original payment, and disregards payments I made before the company went out of business. They did not complete treatment and this contract is null and void. I did not sign any contract with Tek Collect nor share my social security number with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: GA

Complaint narrative:
I don't agree with the accounts listed below which still appear on my credit report, even after your Investigation. I would like this account immediately re-investigated. These inaccuracies are highly injurious to my credit rating.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.

Please forward me an updated credit report after you have completed your Investigation and corrections. 
Your cooperation and prompt attention are greatly appreciated. 

Account Name & Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 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: OH

Complaint narrative:
Formal Dispute of Unauthorized Hard Inquiries & Demand for Immediate Deletion To Whom It May Concern, I am writing to dispute unauthorized hard inquiries listed on my credit reports maintained by your bureau. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S. Code 1681b and 1681i, I am requesting the immediate removal of the inquiries listed below. These inquiries were not initiated or authorized by me in writing or digitally, and therefore represent a violation of my consumer rights.

Under 15 U.S. Code 1681b ( f ), A person shall not use or obtain a consumer report for any purpose unless the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished. These companies had no permissible purpose to access my report, and you,
as the credit reporting agency, are legally required to ensure that only inquiries with proper authorization appear on my file.

Furthermore, FCRA 1681i ( a ) ( 5 ) requires that any information that can not be verified must be promptly deleted from a consumers credit file. 

In Ramirez v. TransUnion LLC, 141 S. Ct. 2190 ( 2021 ), the Supreme Court affirmed that consumers suffer a concrete injury when incorrect or unverified information is disseminated, and credit bureaus can be held liable for damages resulting from negligent reporting practices.

The following unauthorized inquiries must be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am including copies of my credit report showing these inquiries as well as identification to verify my identity.

If you can not provide verifiable documentationsuch as a signed credit application or digital consentfor each of the inquiries listed above, they must be deleted immediately as required by law. 

Failure to comply with this request will leave me no choice but to file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state attorney general, and pursue legal action for damages under FCRA 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ), which allows up to {$XXXX} per violation, plus punitive damages and legal fees.

Please consider this letter a final notice before legal escalation. I request written confirmation that these inquiries have been removed within 15 calendar days from the date of this letter. Respectfully XXXX XXXX XXXX without prejudice

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Formal Dispute of Unauthorized Hard Inquiries & Demand for Immediate Deletion To Whom It May Concern, I am writing to dispute unauthorized hard inquiries listed on my credit reports maintained by your bureau. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S. Code 1681b and 1681i, I am requesting the immediate removal of the inquiries listed below. These inquiries were not initiated or authorized by me in writing or digitally, and therefore represent a violation of my consumer rights.

Under 15 U.S. Code 1681b ( f ), A person shall not use or obtain a consumer report for any purpose unless the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished. These companies had no permissible purpose to access my report, and you,
as the credit reporting agency, are legally required to ensure that only inquiries with proper authorization appear on my file.

Furthermore, FCRA 1681i ( a ) ( 5 ) requires that any information that can not be verified must be promptly deleted from a consumers credit file. 

In Ramirez v. TransUnion LLC, 141 S. Ct. 2190 ( 2021 ), the Supreme Court affirmed that consumers suffer a concrete injury when incorrect or unverified information is disseminated, and credit bureaus can be held liable for damages resulting from negligent reporting practices.

The following unauthorized inquiries must be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am including copies of my credit report showing these inquiries as well as identification to verify my identity.

If you can not provide verifiable documentationsuch as a signed credit application or digital consentfor each of the inquiries listed above, they must be deleted immediately as required by law. 

Failure to comply with this request will leave me no choice but to file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state attorney general, and pursue legal action for damages under FCRA 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ), which allows up to {$XXXX} per violation, plus punitive damages and legal fees.

Please consider this letter a final notice before legal escalation. I request written confirmation that these inquiries have been removed within 15 calendar days from the date of this letter. Respectfully XXXX XXXX XXXX without prejudice

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 2025-03-23 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: CA

Complaint narrative:
The problem that I'm having is being that according to Title 15 USC 1681 ( a ) ( 4 ), in regards to all credit reportings according to the title 15 USC 1681 ( a ) ( 4 ) that's all credit reportings are fraudulent which means Experian Equifax and transunion are committing fraud. We/ I as consumers are due {$1000.00} per violation under title 15 USC 1692 k ( a ) ( 4 ) ( A ). To date there have been numerous if not dozens of violations relating to these companies which has posed risks and dampers my ability to access lines of credit loans and other related business transactions consumer transactions I've been repeatedly denied loans and business lines of credit because of these three companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: CA

Complaint narrative:
The problem that I'm having is being that according to Title 15 USC 1681 ( a ) ( 4 ), in regards to all credit reportings according to the title 15 USC 1681 ( a ) ( 4 ) that's all credit reportings are fraudulent which means Experian Equifax and transunion are committing fraud. We/ I as consumers are due {$1000.00} per violation under title 15 USC 1692 k ( a ) ( 4 ) ( A ). To date there have been numerous if not dozens of violations relating to these companies which has posed risks and dampers my ability to access lines of credit loans and other related business transactions consumer transactions I've been repeatedly denied loans and business lines of credit because of these three companies.

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 2025-03-23 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Urgent Request for Immediate Removal of Fraudulent Accounts Due to Identity Theft To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of fraudulent accounts from my credit report. These accounts were opened or used without my authorization as a result of identity theft. 

I have attached a copy of my Federal Trade Commission ( FTC ) identity theft report as supporting evidence. 

The following accounts must be removed immediately : XXXX XXXXXXXX XXXX  - Account ending in XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these accounts be permanently removed from my credit file with no delays. These accounts are fraudulent, and I am not responsible for any activity associated with them. 

Enclosed Documents : 1. FTC Identity Theft Report 2. Copy of my government-issued 3.

This matter is urgent, and I expect a prompt resolution. If these fraudulent accounts are not removed immediately, I will escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal action if necessary. 

Please send a written confirmation once these accounts have been removed. If you refuse to remove them, provide a detailed explanation of your investigation and the evidence used to verify these accounts. 

Thank you for your immediate attention to this matter. 

I can be reached at the contact information above if further clarification is needed. 


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 explanation
Consumer complaint received 2025-03-24 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: NY

Complaint narrative:
I have identified several items on my credit report that I do not recognize, leading me to believe that my identity may have been stolen. As I did not authorize these accounts, I am formally requesting their immediate removal. Despite previously reporting this issue, it remains unresolved and continues to cause me significant distress. These unauthorized accounts inaccurately reflect my credit history and financial responsibility. If this matter is not promptly addressed, I am prepared to take legal action to protect my rights. The presence of these erroneous items is severely impacting my financial goals, including purchasing a home and supporting my family.

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 2025-03-23 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: TN

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history. I am asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ), which prohibits further communication from your company under certain conditions. 
Please consider this letter a formal request for the following : 1. Immediate cessation of all phone calls, letters, or any other forms of communication regarding the debt.

2. A written statement confirming that you will no longer pursue collection efforts. 
This request does not acknowledge the validity of the debt, and I am not admitting any liability or responsibility. This is simply a request to stop the collection activities. If you continue to contact me after receiving this request, you may be in violation of the FDCPA, and I will pursue appropriate legal actions.I also request that any information regarding this account be reviewed for accuracy, as I dispute the validity of the debt and reserve the right to request further documentation.

15 U.S. Code 1692c 15 U.S. Code 1692g 15 U.S. Code 1681e ( b ) 15 U.S. Code 1681s-2 Please provide written confirmation of your receipt of this letter and your intention to comply with my request.

Thank you for your prompt attention to this matter. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. NAME : XXXX CARD / ACCOUNT NUMBER : XXXX XXXX. NAME : U S BANK / ACCOUNT NUMBER : XXXX XXXX. NAME : XXXX XXXX ACCOUNT NUMBER : 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