vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-11 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: MI

Complaint narrative:
Upon a recent review of my credit report, I discovered multiple inaccuracies, including unauthorized accounts and erroneous information. These discrepancies have negatively impacted my credit score and, as a result, my overall financial health.

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 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am a victim of the Equifax data breach please see attachments below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I am requesting that XXXX delete a paid account from my credit report. I paid the account in full, yet they are refusing to issue a letter of deletion or request its removal from the credit bureaus. I contacted the company on multiple occasionson XX/XX/year>, XX/XX/year>, and XXXXrequesting this deletion after fulfilling my payment obligation. Despite this, my request has been denied. 

I am aware that this company has previously honored similar requests and issued deletions for other consumers in comparable situations. I believe it is unfair and inconsistent to provide this goodwill adjustment for some but not others who meet the same conditions. I respectfully request that the account be removed from my credit report in good faith, as it has been paid in full and I have made multiple timely efforts to resolve this matter directly with the company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I NEED YOU TO VERY PLEASE HELP ME SOLVE MY PROBLEM. I'M VICTIM OF HUMAN TRAFFICKING UNDER 605C. I REPORTED TO YOU ALL OF THOSE FAKE AND FRAUD ACCOUNTS THAT DO NOT BELONG TO ME, PLEASE HELP ME TAKE THEM ALL OFF OF MY CREDIT FILE.

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 2025-04-11 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: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: DISCOVER BANK
State: MA

Complaint narrative:
Dear Sir/Madam, I am writing to request the removal of an inaccurate negative item from my credit report. The debt with the creditor XXXX XXXX was fully paid a long time ago, in XX/XX/year>, and the account has been closed. However, it is still being reported negatively, which has been affecting my credit score and impacting my daily life. There is no outstanding balance, and I continue to be harmed by an incorrect record. 

I respectfully request, based on applicable law, the immediate removal of this information from my credit report, as well as the deletion of my data from the creditors system, since there is no longer any contractual relationship. I am attaching proof of payment and expect this correction to be made within XXXX  days, as required by law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: CA

Complaint narrative:
Found an inquiry on my report that I don't recognize. I'm a victim of an identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: MI

Complaint narrative:
The following accounts are listed on my credit report with Equifax, Experian and Transunion all not reporting accurately and incorrectly. 

XXXX XXXX ACCOUNT : XXXX Department of Education XXXX ACCOUNT : XXXX According to the FCRA I have the right to accurate reporting this is a violation of US 1691 ( 2 ) ( b ) ( a ) That states I have the right to accurate reporting. I have never signed a contract with none of the above listed accounts to reporting or disclose any of my private information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: MI

Complaint narrative:
The following accounts are listed on my credit report with Equifax, Experian and Transunion all not reporting accurately and incorrectly. 

XXXX XXXX ACCOUNT : XXXX Department of Education XXXX ACCOUNT : XXXX According to the FCRA I have the right to accurate reporting this is a violation of US 1691 ( 2 ) ( b ) ( a ) That states I have the right to accurate reporting. I have never signed a contract with none of the above listed accounts to reporting or disclose any of my private information.

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 2025-04-11 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: OR

Complaint narrative:
My report contains multiple entries that are either incorrect, unfamiliar, or potentially misreported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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:
I am writing to formally dispute the inclusion of the following inaccurate and unauthorized accounts on my credit report I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ). You are legally obligated to conduct a reasonable and timely investigation into this matter. If you can not verify the accuracy of this account within 30 days, it must be deleted immediately from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Fidelity National Information Services, Inc. (FNIS)
State: CO

Complaint narrative:
I bank at XXXX XXXXXXXX XXXX XXXX XXXX  in the year of XXXX  I believe, from the start the people there were bias n didn't want me to bank there n treated me like a low life, as I continued to bank there for a short period of time, I was homeless n the place where I stay at the time mail was being stolen, so I had my bamk card sent to the bank n whem the card arrived at the bank when picked it the mail was opened, I let that go and continued to bank there, now one I came to do deposit or check my balance, when I left the bank I left my whole wallet in the bank, I wasn't gone but 1 to two mins n realized I left my wallet, I came back before I left the bank I noticed it was a young kid there, when I was on my back in to pick my wallet that kid was walking out pass me quickly, I pretty sure that kid had my wallet, now when I entered the bank they my wallet wasn't there but if it wasn't in my pocket, no more than 30 step from the bank n I noticed, my wallet is gone the place it could be was in the bank, I called the police n did not leave the bank until they came failed a police report, after that a detective contacted me days later, the investigation ended with the bank would not corroborate the the detective to release the camera footage to prove the situation that someone that bank picked up my wallet with all my important information

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 2025-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
This company has violated 12 CFR PART 0006 in regulations of debt collection practices and threatened to take legal action in a recorded line.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: FL

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Subject : Identity Misuse and Request for Deletion of Fraud-Impacted Accounts I am filing this complaint to request the removal of accounts that resulted in unauthorized collection activity and fraudulent hard inquiries tied to misuse of my identity. While I opened the accounts listed below, they have been used in ways I did not authorize, including unauthorized third-party collections and excessive negative reporting. 

Accounts in question : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Marcadis Singer PA
State: FL

Complaint narrative:
In XXXXXXXX XXXX XXXX XXXX I had to go to court regarding this debt. Marcadis Singer is a third-party in which a credit card debt that I had from XXXX was sold to. I have never received a copy of the contract in which Marcadis Singer says that I was indebted to originally. The only thing that they have given me is the name of the original creditor. They have also doubled the fee in which they said that I owed originally. I tried paying monthly on the debt and even asked them was there any way that I could have a card on file because I knew that I would forget due to my crazy work schedule. At the moment, they did not have anything and told me that I would just have to call in monthly. However, in order to pay, you have to find the website via XXXX which is not easily accessible. I was never initially given any methods of payment or steps to submit a payment. I had to XXXX it. Then I was given a judgment from the court that I would have to pay them in full. A few months later, they seized my bank account without my knowledge and I had no idea about it until I tried to go use it for gas. I ended up stranded in the middle of the road and I was not able to complete my day at work due to me running out of gas. This set me behind even more and I have no idea how they expect me to pay if they have frozen my bank account. Not to mention, all judgments state that Marcadis Singer received this debt from XXXX XXXX XXXX whom Ive never done business with. XXXX XXXX XXXX claimed they received the debt from a credit card company. Therefore, Marcadis Singer is a fourth party seizing my assets. By the time I was served to attend court the first time, I only had a short period to try to seek legal council and attend court. I had no idea how to go about this situation. Before this summons to court I was never called, etc to be informed of this transfer of debt or anything. I am not knowledgeable about my rights and I do feel that they have taken complete advantage of the fact that consumers like me do not know every law. I had no idea my account was frozen until after XXXX on XX/XX/XXXX and I was stranded with no money or food. 

Today on XX/XX/XXXX I talked to them and they stated that they let the court know that they had been reaching out to me via phone and I didnt answer. I had never received any emails or phone calls from them. They confirmed today XX/XX/XXXX that they had a wrong number for me this entire time until I just gave them the accurate one today.

I also found out today that Marcadis Singer is not even backed by the XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: MI

Complaint narrative:
The following accounts are listed on my credit report with Equifax, Experian and Transunion all not reporting accurately and incorrectly. 

XXXX XXXX ACCOUNT : XXXX Department of Education XXXX ACCOUNT : XXXX According to the FCRA I have the right to accurate reporting this is a violation of US 1691 ( 2 ) ( b ) ( a ) That states I have the right to accurate reporting. I have never signed a contract with none of the above listed accounts to reporting or disclose any of my private information.

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 2025-04-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc
State: KS

Complaint narrative:
On XX/XX/XXXX I tried to login to my account on paypal and there was a notification stating that my account was permanently suspended due to something vague about transactions but I have more than once asked what they were referring to and they just tell me that they dont have to tell me specifics so i asked for the XXXX XXXX thats currently in the account and they say that they wont give it to me for 120 days reason they say is that pending transactions can still be covered but I dont have any transactions currently in the account and they still continue to refuse me my money and refuse to explain why they are doing this to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: GA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response. Below are the details of my complaint : 1. Charged-Off Account or Collection Account Creditor/Collection Agency Name : XXXX Account Number : XXXX Creditor/Collection Agency Name XXXX XXXX XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX Account Number : XXXX Issue : This account was charged off/placed in collections without proper notification or validation of the debt. 

I requested validation of the debt per my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), but the creditor/collection agency failed to provide sufficient documentation. 

The reported balance and payment history contain inaccuracies that I have disputed with the credit bureaus, yet the creditor refuses to correct or remove the erroneous data. 

The account was sold to a third-party collector, yet it remains listed under the original creditor, creating duplicate reporting and unfair harm to my credit profile. 

I am requesting the immediate deletion of this inaccurate and unverifiable account from my credit report or proper documentation proving its validity. 

2. Unauthorized/Incorrect Hard Inquiry Company That Performed Inquiry : XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Company That Performed Inquiry : XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Company That Performed Inquiry : XXXX Date of Inquiry : XX/XX/year> Company That Performed Inquiry : XXXX Date of Inquiry : XX/XX/year> Company That Performed Inquiry : XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Issue : I did not authorize this company to pull my credit. 

No written consent or permissible purpose exists for this hard inquiry, which is a violation of the FCRA ( 15 U.S.C. 1681b ).

Despite my dispute, the credit bureaus and the creditor have refused to remove the unauthorized inquiry. 

I am requesting the immediate removal of this hard inquiry from my credit report, as it was made without my authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
XX/XX/year>, I purchased a Cashier 's Check at Huntington Bank in XXXX XXXX, Michigan. The Branch location is called XXXX XXXX XXXX XXXX XXXX Branch XXXX XXXX Location. My Cashier 's Check was for my final rent payment in XX/XX/year>. My lease ended on XX/XX/year>. I gave my official notice the same day in writing to XXXX XXXX in their mailbox. I was living in my apartment for XXXX XXXX. The property manager agreed to allow me to pay one month. XXXX XXXX XXXX XXXX for XXXX. informed me that the owner was selling the two apartment house, I live in immediately. I placed both the Cashier 's Check and Thirty Day notice in their mailbox on XX/XX/year>. The Cashier 's Check No. Is XXXX. The amount is {$500.00} and {$6.00} service fee. I have inquired several times with Huntington Bank customer Service about the matter and stated it was not showing up in their system. I received a late notice of {$50.00} on XX/XX/year>. I believe XXXX XXXX cashed th check already. This is a scam. I have been paying online with my account every month from Huntington Bank Account. Prior to Huntington ; It was XXXX Bank. I did go on the Treasury Website to check if my Cashier 's Check cleared. The site is not allowing me to enter the date. Your attention to this situation is greatly appreciated. Thank you. XXXX XXXX.

Company response to consumer: Closed with explanation