vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-28 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: NY

Complaint narrative:
XXXX XX/XX/year> FACTUAL DATA XX/XX/year> FACTUAL DATA XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XX/XX/year> FACTUAL DATA XX/XX/year> FACTUAL DATA XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-04-28 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: TX

Complaint narrative:
Pursuant to my rights under the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692g, I formally requested validation of the alleged debts referenced as collection account opened at XXXXXXXX XXXX on XX/XX/XXXX account is shown as in collection collection account opened at XXXX XXXX XXXX on XX/XX/XXXX account is shown as in collection collection account opened at XXXXXXXX XXXX  on XX/XX/XXXX account is shown as in collection collection account opened at XXXX XXXX XXXX on XX/XX/XXXX account is shown as in collection Despite my lawful request, you have continued to report collection activities without furnishing the required verification or providing documentation such as a judgment.

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 2025-04-28 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: SC

Complaint narrative:
To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : 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 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 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 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 XXXXXX/XX/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 2025-04-28 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 have disputed the account several times related to the child support debt. The debt is inaccurate. It is a result of a divorce that occurred in XX/XX/XXXX. A divorce decree signed by a XXXX  judge states that child support will begin on XX/XX/XXXX, in the amount of $ XXXX. The OAG is inaccurately reporting a balance with no validation or signed order by a judge that supersedes the order in the divorce decree. By law, they are required to enforce a court order signed by the judge. Before that date, there was no child support order that I was required to pay. I have sent documents to the bureaus, but they have not taken action. I have written documents, including the balance on my TN child support order, stating there is no past due balance. The state of Missouri, where the other party lives, has sent the OAG in XXXX  a copy of the order stating that the only balance is less than {$10000.00} at the time. I have requested that the balance be updated and deleted if accurate information is not updated to reflect the court order. It is my right as a consumer to have accurate, verifiable information reported. The inaccurate reporting is causing me financial distress as I am not refusing to pay a debt, only an inaccurate debt. I did not live in the state of XXXX  before XX/XX/XXXX. The other party never lived in 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 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

XXXXXXXX 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 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 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 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 explanation
Consumer complaint received 2025-04-28 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: MA

Complaint narrative:
On XX/XX/year> Equifax submitted disputes on items on my credit report that did not need disputing without my permission, I called them on XX/XX/year> and spoke with XXXX when I noticed they submitted the same disputes for the same items without my permission on XX/XX/year>, XXXX stated that " someone called on XX/XX/year> and asked for the items to be disputed, I then asked for a supervisor which I got XXXX he stated nobody called and that it was a dispute done by mail by CFPB, Equifax continues to submit disputes on my behalf without my permission for the following items XXXX  XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. I have explained to Equifax that these items do not need to be disputed yet they continue to submit them without my permission or consent and they continue to deny their wrong doing. They have also started another dispute on the same items I noticed one XX/XX/year> again without my permission of any kind on accounts XXXX XXXX and XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: FL

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Unauthorized Equifax Inquiry by XXXX XXXX XXXX XXXX for Immediate Removal Dear Consumer Financial Protection Bureau Representative, I am writing to formally dispute an unauthorized credit inquiry listed on my Equifax consumer report. This inquiry was not made or authorized by me and appears to be the result of identity theft. 

I respectfully request that the following unauthorized inquiry be removed from my Equifax report within five ( 5 ) business days, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) : XXXX Inquiry Date : XX/XX/year> In support of my dispute : The inquiry has no permissible purpose connected to any legitimate application initiated by me. 
No account has been opened or tied to my name from this inquiry. 
I personally contacted XXXX, and they confirmed that there is no active application or account associated with me. 
Given these facts, I am requesting immediate removal of the unauthorized inquiry to protect the accuracy and integrity of my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Unauthorized inquires of my credit on my credit report being reported XX/XX/XXXXXXXX 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

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 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XX/XX/XXXX I have spoken with XXXX and XXXX at XXXX XXXXXXXX XXXX time and I was informed by XXXX there is no documentation to support account belongs to me besides the last XXXX of my social and date of birth. I was also informed by XXXX the Manager that there is no documentation on file because they have purchased account from XXXX  XXXX. I have asked for a copy of the application as well. I have filed with XXXX and I have also informed them that my information was apart of Equifax data breach where it shows several wrong addresses I have a copy of report that I never lived at. I was informed by XXXX XXXX the account was opened in XXXX, I purchased my home in XXXX. I have filed with Federal Trad Commission Identity Theft Report # XXXX, where I have listed the wrong information on my credit report. 

XXXX have mentioned about suing to cover proceeds.

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 2025-04-28 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: ONLINE Information Services, Inc.
State: PA

Complaint narrative:
On XX/XX/year>, I contacted Online Information Services regarding a debt reported on my credit file, which was {$170.00}. I acknowledged the validity of the debt and entered into a settlement agreement to resolve the matter in good faith. Under the terms of this agreement, I agreed to settle the account for {$150.00}, plus a processing fee of {$1.00}, for a total payment of {$150.00}, which I paid in full on the same day. 
Following my settlement payment, I received a letter from XXXX XXXX rather than Online Information Services. Upon contacting XXXX XXXX, I was incorrectly informed that there remains an outstanding balance of {$17.00}. I explained that a settlement agreement had already been executed and fulfilled. Despite this, the representative insisted the balance would remain and the account would continue to reflect negatively. 
Please be advised of the following : Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to receive accurate and truthful information regarding the status of my debt. Misrepresentation of the debt 's status after settlement may constitute a violation of the FDCPA.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that any information reported to the credit bureaus is accurate, complete, and reflects the true status of the account. Reporting a settled debt as unpaid or with an outstanding balance is inaccurate and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I am trying to pay off my credit cards so I can raise my credit score. I contacted XXXX to get an interest reduction to aid me in paying off the balance on my card, in which they are charging me a 40 % interest rate. I used the credit card to help me with some medical payments. I spoke with a representative and then a manager, who said XXXX did not reduce their interest rates.

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 2025-04-28 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: WI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
I am writing to request verification of the debt referenced above, which you claim I owe. This is not a refusal to pay but a request for information regarding your claim. I assert my right to a written validation of this debt under the laws set forth in the Fair Debt Collection Practices Act. 

Please provide the following : 1. Verification and validity of the debt, including the amount owed and calculations to substantiate the sum, as well as a breakdown of any fees, interest, or other costs added.

2. A copy of the original signed agreement or instrument that states I agreed to pay the creditor. 
3. Verification that your agency is legally permitted to collect this particular debt in my state, including licensing information.

4. The name and address of the original creditor.

5. Details of the last payment made on this account, showing any transactions related to this account. 

Please note that I request all future communication regarding this matter be conducted in writing. 

If you can not provide the requested information, I expect the collection attempt to be ceased and for this account to be removed from my credit report with any bureau to which you may have reported.

While you are verifying this debt, I would appreciate your cooperation by halting any future collection activities. In accordance with my rights, please provide the requested documentation to help me better understand and validate your claim. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
Account midland credit management XXXX I am unaware of this debt and did not have the opportunity to dispute the account. If you believe you sent proper notification, please provide 'certified mail ' with receipt displaying my signature. If not, please delete account XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: CA

Complaint narrative:
XXXX, XXXX AND XXXX  ARE REPROTING FALSE INFORMATION IN WHICH THEY ARE GETTING FROM CREDITORS, THESE ARE THE COMPANIES ARE REPORTING FALSE INFORMATION ARE INCORRECT INFORMATION XXXX. XXXX XXXX XXXX XXXX KICK OFF 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 XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX A FRAUD ALERT WAS ADDED TO MY ACCOUNT ALSO THIS WAS AUTHORIZE. 

I AM A VICTIM OF IDENTITY THEFT AND ALSO A VICTIM OF DATA BREACH

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Aqua Finance, Inc.
State: CA

Complaint narrative:
XXXX, XXXX AND XXXX  ARE REPROTING FALSE INFORMATION IN WHICH THEY ARE GETTING FROM CREDITORS, THESE ARE THE COMPANIES ARE REPORTING FALSE INFORMATION ARE INCORRECT INFORMATION 1. 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  UNAUTHORIZE INQUIRIES XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  A FRAUD ALERT WAS ADDED TO MY ACCOUNT ALSO THIS WAS AUTHORIZE.

I AM A VICTIM OF IDENTITY THEFT AND ALSO A VICTIM OF DATA BREACH

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: PA

Complaint narrative:
This morning, I was extremely frustrated to find an unauthorized inquiry on my credit report without any explanation. I checked like I always do, but this time, unexpected discrepancies appeared. I even refreshed my browser thinking it was an error, but the unauthorized inquiry stayed. I demand that the documents I submitted be thoroughly reviewed immediately so I can finally stop stressing over this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: PA

Complaint narrative:
Upon review of my reports, I discovered multiple derogatory items including charge-offs and late payments that I believe are being reported inaccurately without proper legal verification. There are privacy violations, violation of FCRA XXXX, XXXX and 611, violation of FCRA 623 ( a ) ( 2 ) and heightened risk due to data breach associated with XXXX XXXX XXXX platform and his consulting with White House Officials. I demand these accounts be removed immediately. Please note that XXXX Experian XXXX XXXX utilize stall tactics to keep me from requesting changes to my report. Please remove accounts attached.

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