vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$3700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX$3100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$930.00XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$26000.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
It has Been more than2 months when I ask proper documentation from them they requested to me to send to sen this petition in writing which I did but I did not receive nothing I ask for fair credit please I as the deletion of this account immediately this been affecting my score and is not an accurate report no verification, improper report no no data in some of the months reporting a past do balance the dates dont Match between two of the agents

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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:
As required by the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate investigation and removal of this unauthorized account from my credit profile. Please consider this a formal request to : - Validate the debt with proper documentation. 
- Cease all reporting to any credit bureau regarding this account. 
- Provide a written confirmation of the results of your investigation.

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 2025-05-12 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: TX

Complaint narrative:
As required by the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate investigation and removal of this unauthorized account from my credit profile. Please consider this a formal request to : - Validate the debt with proper documentation. 
- Cease all reporting to any credit bureau regarding this account. 
- Provide a written confirmation of the results of your investigation.

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 2025-05-12 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: Early Warning Services, LLC
State: IL

Complaint narrative:
I am filing this complaint because a fraudulent check was deposited into my XXXX XXXX XXXX account in either XXXX or XXXX without my knowledge that the check was fake, and I am now being unfairly reported by either XXXX XXXX XXXX Early Warning Services ( EWS ), or another agency as if I committed fraud which is false and damaging. 

I did not knowingly deposit a bad or counterfeit check. I was unaware that it was fraudulent at the time. I received no proper investigation, warning, or due process, yet I am still being punished for fraud I did not commit.

I am now being denied the ability to open checking accounts, obtain financial services, or rebuild my credit due to this outdated, false reporting. I have recently learned this negative entry still exists, over 6 years later, and I am requesting immediate action.

Under FCRA Section 605B, the Fair Credit Reporting Act, and Regulation XXXX, I have the legal right to dispute and block all fraudulent and inaccurate information, especially when there is no proof of intentional wrongdoing or benefit. 

Although I have not submitted a dispute directly to the bank or EWS, I am escalating this issue immediately to the CFPB due to the age of the case, the severe impact on my life, and the banks failure to alert or support me during or after the incident. 

There is no basis for this reporting to continue. I was not charged or convicted of fraud. There was no trial, no legal judgment, and no formal hearing. This ongoing reporting is a violation of my rights and constitutes negligent investigation, unfair treatment, and failure to protect consumers under federal regulation. 

I am requesting that the CFPB force the removal of any and all negative entries related to this fraudulent check deposit from XXXX, and hold XXXXXXXX XXXX XXXX and/or Early Warning Services accountable for failing to follow proper dispute and consumer remediation procedures.

I am attaching documentation and respectfully request a full investigation and deletion of this record from any consumer reporting databases, including EWS, XXXX and/or credit bureaus if applicable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
I am filing this complaint because a fraudulent check was deposited into my XXXX XXXX XXXX  account in either XXXX or XXXX without my knowledge that the check was fake, and I am now being unfairly reported by either XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX or another agency as if I committed fraud which is false and damaging. 

I did not knowingly deposit a bad or counterfeit check. I was unaware that it was fraudulent at the time. I received no proper investigation, warning, or due process, yet I am still being punished for fraud I did not commit. 

I am now being denied the ability to open checking accounts, obtain financial services, or rebuild my credit due to this outdated, false reporting. I have recently learned this negative entry still exists, over 6 years later, and I am requesting immediate action. 

Under FCRA Section 605B, the Fair Credit Reporting Act, and Regulation E, I have the legal right to dispute and block all fraudulent and inaccurate information, especially when there is no proof of intentional wrongdoing or benefit.

Although I have not submitted a dispute directly to the bank or XXXX I am escalating this issue immediately to the CFPB due to the age of the case, the severe impact on my life, and the banks failure to alert or support me during or after the incident. 

There is no basis for this reporting to continue. I was not charged or convicted of fraud. There was no trial, no legal judgment, and no formal hearing. This ongoing reporting is a violation of my rights and constitutes negligent investigation, unfair treatment, and failure to protect consumers under federal regulation. 

I am requesting that the CFPB force the removal of any and all negative entries related to this fraudulent check deposit from XXXX, and hold XXXX XXXX XXXX  and/or XXXX XXXX XXXXXXXX accountable for failing to follow proper dispute and consumer remediation procedures.

I am attaching documentation and respectfully request a full investigation and deletion of this record from any consumer reporting databases, including XXXX  ChexSystems, and/or credit bureaus if applicable.

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 2025-05-12 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-05-12 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: OH

Complaint narrative:
I am sending to formally dispute the accuracy and validity of several accounts entries currently listed on my credit report. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting full validation and, if appropriate, immediate removal of these accounts from my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$950.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$16000.00XXXX XXXX XXXXXXXX Bankruptcy Dismissed Reference # XXXX XX/XX//2022 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: CA

Complaint narrative:
Twice now, this company has completely ignored massive, unequivocal evidence related to two fraud claims, of {$1700.00} and {$200.00}, respectively. They are a bank, whether they like or not. The offer checking accounts, they offer savings accounts, they offer direct deposit, and a bunch of other services that banks offer. They have denied large claims that were not in doubt. It was so obvious what happened in each of these claims and they admitted it, but both were denied because they just dont care and I think that they have some sort of exception. They dont. I want my money. Its a lot of money to me not to them, but it is to me. This shouldve been handled professionally and I cant even having to reach out to the CFPB to correct their disrespectful asinine actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
These are the details per my XXXX account : Account name NCB MANAGEMENT SERVICES Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$3.00}, XXXX past due as of XX/XX/XXXX. 

I never opened an account for {$3000.00}. If NCB Management can't show that I opened an account on XX/XX/XXXX, then it needs to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-05-12 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: MA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: MA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-05-12 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: CA

Complaint narrative:
My XXXX  loans all reported at 90 days late when they have been and is currently still in deferment. My score dropped XXXX points on Experian and TransUnion. I have never been late on a payment that wasnt due. This needs to be corrected immediately.

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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CT

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-05-12 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: OH

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: AZ

Complaint narrative:
In early XXXX, I became a victim of identity theft, which resulted in several fraudulent accounts appearing on my credit report. I immediately took every appropriate legal action and provided all required documentation to resolve this matter. 

I filed an official FTC Identity Theft Report, submitted a formal Police Report, and completed a USPS Mail Theft Report after suspecting my personal information was compromised through stolen mail. 

On XX/XX/2025 I submitted all of these reports to Equifax, along with my proof of identity, requesting the immediate deletion of fraudulent accounts as required under FCRA Section 605B. I also sent certified Identity Theft Packets directly to XXXX XXXX and XXXX XXXX Bank. Additionally, I sent Equifax a Final Demand Letter requesting full compliance with the FCRA. 

Despite this, Equifax sent me a letter dated XX/XX/2025, stating that my dispute was considered frivolous and duplicate information. This is false. In my most recent dispute, I submitted new, material evidence, including a forged signature directly connected to the fraudulent XXXX XXXX account. 

Additionally, neither XXXX XXXX  nor XXXX XXXX Bank now XXXX XXXX XXXX has responded to the certified identity theft packets I sent, which is a clear failure to comply with their legal obligations under the FCRA. 

While Equifax deleted XXXX fraudulent accounts XXXX XXXX XXXX XXXXXXXX XXXX ), it refused to delete the fraudulent accounts with XXXX XXXX Bank and XXXX XXXX, despite receiving the same and additional new evidence regarding these accounts. 

The fraudulent accounts still reporting are : XXXX XXXX XXXX Approximate Balance : {$1100.00} XXXX XXXX  Approximate Balance : {$3700.00} This failure to properly investigate my dispute, review the new evidence, and comply with FCRA Section 605B has caused significant financial hardship and emotional distress. I am requesting the CFPBs immediate assistance to ensure these accounts are permanently removed and that Equifax is held accountable for their willful non-compliance. 

Additionally, Equifax is reporting my name incorrectly on my credit file as XXXX XXXX XXXX, which is not my legal name. This is a clear violation of their responsibility to maintain accurate and complete personal identifying information under the FCRA. Despite my multiple disputes and submission of valid identification documents, Equifax has failed to correct this error, further impacting my creditworthiness and causing emotional distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sierra Collections and Consulting LLC
State: AZ

Complaint narrative:
On XX/XX/year>, I submitted a written debt validation request to a collection agency attempting to collect an alleged debt of {$2100.00} related to the XXXX XXXX XXXX XXXX. The agency received my letter on XX/XX/year>, per XXXX tracking. 

In response, they sent a letter dated XX/XX/year>, stating the balance was {$2200.00}. Later, on XX/XX/year>, I received another invoice from the same agency stating a different balance of {$2200.00}. This inconsistency raises concerns about the accuracy of the debt being claimed. 

The documentation they provided included references to billing XXXX for services. I have never been enrolled in or eligible for XXXX, nor have I received any services billed to XXXX. This raises serious concerns about possible XXXX billing fraud. 

Despite my formal dispute, and a follow-up letter sent after their initial response, the collection agency has not provided the following : Any signed agreement showing I am personally responsible for the debt, XXXX that they have legal authority or assignment to collect the debt, XXXX itemized explanation for the discrepancy between the balances, Clarification of the XXXX billing XXXX. 

Under the Fair Debt Collection Practices Act ( FDCPA ), they are required to cease collection activities until the debt is properly verified. However, I am still receiving communication and updated invoices, which XXXX be a violation of the law. 

I am requesting CFPB review and intervention, as the company has not met the requirements for debt validation and continues to pursue collection.

Company response to consumer: Closed with explanation