vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: IL

Complaint narrative:
They have the wrong date of move out. Also representing theirselves as original creditor, which they are not. They shuffle through office staff a lot and Im guessing they werent aware of my true move out due to me handing keys to a guy who worked there when I left. I was already in another home in which they are charging me for months that was wasnt there and for damages that were not done, they claim I left. Wont provide photos or any statements to me, and amount it wrong. they have made this debt revolving which keeps changing the date and making it look like I owe in which its been most 7 years but now it wont fall off for another 4-5.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: MO

Complaint narrative:
I am the victim of identity theft. Fraudulent accounts and inquiries were added to my Experian credit report without my knowledge, authorization, or consent. 

The following accounts are fraudulent and do not belong to me : XXXX charged off account, {$2000.00} written off, opened XX/XX/XXXX, closed XX/XX/XXXX, reported as purchased by XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX ( XXXX XXXX XXXX of ) collection account, balance {$1200.00}, opened XX/XX/XXXX, past due as of XX/XX/XXXX. 

In addition, multiple unauthorized hard inquiries appeared on XX/XX/XXXX, including : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX 

I submitted an FTC Identity Theft Report along with supporting documents ( government ID, SSN, and proof of address ) to Experian and requested blocking of these fraudulent items under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act. By law, Experian must block and delete this information within four business days of receiving my request.

I am filing this complaint because these fraudulent accounts and inquiries remain on my credit report and Experian has not properly resolved the issue. I am requesting immediate deletion of all fraudulent accounts and inquiries and confirmation in writing.

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 2025-09-15 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: FL

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: WI

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.

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 2025-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lloyd & McDaniel, PLC
State: WV

Complaint narrative:
I have credit card debt that's owed to XXXX. I was ready to pay the debt in full Wed, XX/XX/year>, XXXX I sent this email regarding the debt payment, " Hello, I got mail concerning my debt that I owe to XXXX. I'm contacting you to let you know I'm not disputing the debt and I'm ready to start making payments. I'd like to know how I can start making these payments as soon as possible. '' This also included my name and case number. I was never contacted again till XX/XX/year>, XXXX " Hello, I apologize for the delay in responding. Are you able to call our office to discuss? Our toll free phone number is XXXX '' At this time, I am unable to make a payment in full, so I agreed to a payment plan that I am already struggling to afford. I am currently attempting to make a payment online ; however, a new required field labeled Check # has been added, preventing me from completing the transaction. I have reached out via email but have not received a response, and I have also been waiting on the phone line for over an hour in an effort to resolve this issue and submit my payment. I've completed all my scheduled payments on time. I would also like to express my concerns about XXXX and how they prevented me from making payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc.
State: CT

Complaint narrative:
I received an alert from XXXX XXXX XXXX XX/XX/year> that there was new activity. I logged in and saw Eastern Account Systems collection 's debt totaling {$110.00}. I called them to find out what the debt was for around XXXX ET. I specifically asked her what it was for. The woman named XXXX told me to verify my name, address, and last 4 of my ssn. She asked me if I was trying to pay the debt or get it off my credit report. I said both if I know what it is for. She then told me I needed to give her a credit card in order to find out what the debt was for. I told her I was not giving her anything until she told me what it was for. She proceeded to tell me I needed to give her a card on file. I repeated myself and told her this is illegal. She stayed silent and didn't say anything, just sat there on the phone. I asked for a supervisor and she said she would request one to call me. I never received anything in the mail either.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXXXXXX XXXX Date : XX/XX/XXXX XXXX MXXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXXXXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} UXXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$82.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am respectfully requesting a review of the late payment currently being reported on my credit file as open or unresolved, as I believe this information to be inaccurate and misleading. This reporting is factually inaccurate and materially misleading. The payment in question has either been fully resolved, or I was never late as alleged. The continued reporting of this item as delinquent constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to ensure the maximum possible accuracy of the information furnished. The presence of this inaccurate entry has directly harmed my credit standing, resulting in adverse effects on my credit score and potentially impeding future opportunities related to credit, housing, and employment. Accordingly, I demand a full investigation of this matter, and if the late payment can not be conclusively verified as accurate and timely, it must be immediately corrected or permanently deleted from my credit report.

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 2025-09-15 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: TX

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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:
I am submitting this complaint because the consumer reporting agency has reported unauthorized hard inquiries on my credit report that were not initiated or authorized by me. This constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) and ( B ) ( i ) and 15 U.S.C. 1681g ( a ) ( 5 ), which prohibit reporting inquiries not initiated by the consumer unless specific conditions, such as prior written consent or a firm offer of credit, are met. I did not provide any written authorization for these inquiries, and their presence on my credit report is therefore unlawful. Additionally, the agency has failed to provide documentation or evidence of a permissible purpose for these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: FL

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 explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: MI

Complaint narrative:
My complaint is about Sofi Bank. I transferred slightly over {$3000.00} from another institution and withdrew {$1000.00} via ATM in XXXX installments, as the ATM allowed withdrawing only {$400.00} at a time. The same day, Sofi restricted my account due to " unusual activity. '' Their representative called me the next day, and I explained that I could not discuss the matter at that time and would be able to talk about it only four days later, as I work XXXX XXXX XXXX XXXX XXXX. On my day off, I spoke with a representative of the security department. I explained that I had withdrawn cash to pay a contractor for home renovations and asked why they had restricted my account. The representative refused to provide a reason. He said the account was under review, and it might take up to 60 days. He could not explain why withdrawing cash from my savings account was suspicious and what kind of review they were doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: IL

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Comerica
State: CA

Complaint narrative:
On the XXXX of XXXX I was on the phone with someone who identified herself as XXXX XXXX card holder services. Her name is XXXX. As I was letting her know I'm only responding to XXXX message In my email. XXXX emailed XXXX while we were talking and then XXXX calls me and I answer the phone and he's claiming to be XXXX XXXX. But according to the voice mail recording from XXXX XXXX number @ XXXX says they will never call and ask for personal information. Whom are these ppl demanding personal information.? And refuse to give me my money. These Financial Institute is supposed to protect our information. Unless ur ok with sharing. I'm not ok with it and I don't trust banks who take hostage of ppls money just to get marketing information. There are no judgements leins or court orders that have INFORMED ME OF ANY legal actions. EVER. 
I DO NOT OWE A SINGLE SOUL ON THIS PLANET. ANYTHING. NO ORDERS. I HAVE NEVER BEEN SERVED FOR ANY FINANCIAL RESPONSIBILITIES TO ANYONE. I MUST BE SERVED. AND COMERICA IS USING MY XXXX PAYMENTS TO KEEP ME CLOSE. WELL ALL THIS IS GOING TO THE PPL ABOVE WHO HAVE CUTTING FUNDING. IM SURE IM NOT THE ONLY ONE. I HAVE NO PENDING ANYTHING. WHO IS COMMUNICATING WITH SSI TO GET MY INFORMATION. 

My identity has already been proven. They are blatantly sharing my information with ppl I do not know. And holding my money

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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: FL

Complaint narrative:
Recently I looked at copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate. TRANSUNION XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the fair credit reporting act, has violated my rights.

15 U.S.C 1681 Section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2025-09-15 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 reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-09-15 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: CA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am enclosing a copy of my FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) as evidence of my claim.

Pursuant to 15 U.S.C. 1681c-2, when a consumer files a report of identity theft, credit reporting agencies are required to block any information identified by the consumer as being the product of such theft within four ( 4 ) business days.

The following information on my credit report is the result of identity theft and must be frozen : XXXX - XXXX, XXXX XXXX - XXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately frozen from my credit report. This freeze must remain in effect for a period of one year, after which I may request an extension. During this time, no information may be reported.

I have contacted EQUIFAX multiple times to report these accounts, but I have not received a clear or definitive solution to help me resolve this situation. This situation is severely impacting me, as I am trying to purchase a new home for my children and obtain financial tools to support my financial growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. These accounts have already been removed and were not verified by other credit bureaus, so I don't understand why this agency continues to claim these accounts belong to me.

I have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received a response. I respectfully request that you help me by removing these accounts immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Thomas Agency, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX for the amount of {$490.00} and The Thomas AgencyXXXX for the amount of {$2100.00}. I have sent dispute letter to XXXX, XXXX. the address that are associate with these accounts, I have not lived at. I also have never received any form of communication that I owe these companies anything. I would like to have these accounts removed from my credit history.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-15 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed inaccurate fraudulent accounts due to the national data breach and it is hindering my ability to obtain credit. I have asked for them to be removed off my report twice now. It has now become agrravated indentity theft ( 18 U.S.C. 1028A ) .PLEASE REFER TO THE ATTACHED DOCUMENTS.

Company response to consumer: Closed with non-monetary relief